S$0.69 ($0.54)

+0.00 (+0.00%)

Weekly Expected Move ±1.6%

S$1 S$1 S$1 S$1 S$1

SES · Industrials · Staffing & Employment Services · Tech Score Sell · Power 35 · S$689.1M mcap · 200M float · 0.081% daily turnover

Overview Chart Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ETF Exposure

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.

Oct 02, 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. CHZ.SI receives an overall rating of A. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-10-01	A+	A
2026-08-28	C+	A+
2026-08-17	A+	C+
2026-07-08	C+	A+
2026-07-02	A+	C+
2026-04-28	A	A+
2026-04-01	A+	A
2026-02-19	None	ADDED
2026-02-18	EXISTED	None

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

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. CHZ.SI scores highest in Safety (100/100) and lowest in Profitability (36/100). An overall grade of A places CHZ.SI 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

8.23

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.48

Unlikely Manipulator

Ohlson O-Score

-10.70

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AA+

Score: 91.9/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 0.95x

Accruals: 0.5%

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. CHZ.SI scores 8.23, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. CHZ.SI scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CHZ.SI's score of -2.48 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. CHZ.SI'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. CHZ.SI receives an estimated rating of AA+ (score: 91.9/100), 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). CHZ.SI'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

15.94x

PEG

-1.01x

P/S

1.19x

P/B

1.73x

P/FCF

16.69x

P/OCF

16.12x

EV/EBITDA

9.26x

EV/Revenue

0.71x

EV/EBIT

9.64x

EV/FCF

9.53x

Earnings Yield

6.53%

FCF Yield

5.99%

Shareholder Yield

5.95%

Graham Number

$0.66

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 15.9x earnings, CHZ.SI trades at a reasonable valuation. An earnings yield of 6.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $0.66 per share, 5% 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

0.800

NI / EBT

Interest Burden

1.377

EBT / EBIT

EBIT Margin

0.074

EBIT / Rev

Asset Turnover

1.201

Rev / Assets

Equity Multiplier

1.260

Assets / Equity

ROE

12.3%

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. CHZ.SI's ROE of 12.3% is driven by Asset Turnover (1.201), 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

6.85%

Fair P/E

22.21x

Intrinsic Value

$1.07

Price/Value

0.69x

Margin of Safety

31.05%

Premium

-31.05%

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 CHZ.SI's realized 6.9% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CHZ.SI trades at a -31% premium to its adjusted intrinsic value of $1.07, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 22.2x compares to the current market P/E of 15.9x.

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

$0.69

Median 1Y

$0.72

5th Pctile

$0.51

95th Pctile

$1.00

Ann. Volatility

20.5%

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

All Ratios & Metrics

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

Profitability

Metric	Q1'21	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	Q1'26	Q2'26	Current
ROE	23.8%	28.4%	26.9%	28.0%	27.3%	26.9%	26.8%	27.7%	26.9%	25.1%	25.2%	25.8%	24.8%	20.1%	18.1%	11.8%	12.3%	13.2%	12.7%	12.3%	12.30%
ROA	17.0%	20.2%	19.2%	20.0%	19.7%	19.4%	19.3%	20.0%	20.2%	18.9%	19.3%	19.8%	19.4%	15.7%	14.2%	9.3%	9.8%	10.4%	10.1%	9.8%	9.76%
ROIC	1.2%	1.4%	2.7%	2.7%	2.0%	2.1%	2.3%	2.1%	1.6%	1.4%	1.3%	84.8%	61.8%	43.7%	43.3%	55.4%	43.8%	43.5%	42.7%	43.0%	43.03%
ROCE	13.7%	15.3%	16.4%	18.4%	19.4%	20.2%	19.7%	18.8%	17.2%	15.7%	14.4%	13.5%	12.8%	12.1%	11.5%	10.9%	10.3%	10.1%	10.2%	10.3%	10.34%
Gross Margin	29.7%	28.0%	29.5%	28.1%	29.3%	27.8%	27.6%	12.0%	24.3%	22.9%	23.8%	-11.5%	22.0%	22.0%	21.1%	21.1%	20.7%	20.7%	21.3%	21.3%	21.27%
Operating Margin	11.9%	11.2%	12.6%	13.0%	12.5%	12.0%	11.0%	10.1%	9.4%	8.9%	9.2%	-13.8%	7.9%	7.9%	7.5%	7.5%	7.2%	7.2%	7.5%	7.5%	7.52%
Net Margin	13.1%	13.1%	9.4%	9.4%	11.0%	11.0%	11.1%	11.1%	9.6%	9.6%	12.4%	-6.4%	7.6%	7.6%	8.1%	8.1%	9.5%	9.5%	6.8%	6.8%	6.77%
EBITDA Margin	12.2%	7.7%	12.8%	7.7%	12.7%	7.7%	11.2%	6.9%	9.6%	6.1%	9.4%	-2.4%	8.2%	8.2%	7.8%	7.8%	7.5%	7.5%	7.9%	7.9%	7.86%
FCF Margin	19.2%	10.9%	10.1%	8.8%	10.2%	12.9%	12.7%	12.1%	11.5%	10.3%	10.1%	14.5%	14.4%	16.8%	16.4%	8.7%	9.5%	10.2%	8.8%	7.5%	7.46%
OCF Margin	19.4%	11.0%	10.3%	9.0%	10.5%	13.2%	12.9%	12.4%	11.8%	10.6%	10.4%	15.1%	15.0%	17.6%	17.2%	9.1%	9.8%	10.5%	9.1%	7.7%	7.72%
ROE 3Y Avg	snapshot only																				16.36%
ROE 5Y Avg	snapshot only																				20.72%
ROA 3Y Avg	snapshot only																				12.91%
ROIC 3Y Avg	snapshot only																				78.95%
ROIC Economic	snapshot only																				9.12%
Cash ROA	snapshot only																				9.14%
Cash ROIC	snapshot only																				53.64%
CROIC	snapshot only																				51.83%
NOPAT Margin	snapshot only																				6.20%
Pretax Margin	snapshot only																				10.16%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				13.61%
SBC / Revenue	snapshot only																				0.04%

Valuation

Metric	Q1'21	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	Q1'26	Q2'26	Current
P/E Ratio	7.04	6.31	6.91	6.96	6.69	6.83	6.38	6.56	6.94	6.91	6.93	6.57	6.87	8.44	9.16	14.17	13.65	12.83	14.94	15.31	15.940
P/S Ratio	0.80	0.78	0.82	0.77	0.72	0.70	0.67	0.72	0.75	0.71	0.73	1.08	1.10	1.49	1.49	1.11	1.14	1.13	1.27	1.25	1.187
P/B Ratio	1.57	1.67	1.76	1.85	1.78	1.79	1.73	1.84	1.87	1.74	1.71	1.66	1.67	1.66	1.65	1.67	1.65	1.66	1.85	1.84	1.726
P/FCF	4.19	7.19	8.16	8.78	7.05	5.38	5.27	5.96	6.50	6.91	7.22	7.47	7.66	8.89	9.05	12.77	12.04	11.11	14.37	16.69	16.685
P/OCF	4.14	7.10	8.02	8.56	6.89	5.28	5.16	5.84	6.36	6.74	7.01	7.19	7.35	8.49	8.65	12.23	11.61	10.77	13.91	16.12	16.122
EV/EBITDA	4.02	4.23	4.14	4.20	3.89	3.81	3.56	4.22	4.89	4.64	4.86	5.16	5.74	6.41	6.56	7.00	7.59	7.74	9.49	9.26	9.265
EV/Revenue	0.36	0.38	0.39	0.39	0.37	0.36	0.32	0.37	0.41	0.36	0.36	0.53	0.56	0.76	0.74	0.56	0.59	0.59	0.73	0.71	0.712
EV/EBIT	4.85	4.98	4.79	4.76	4.39	4.27	4.02	4.77	5.56	5.31	5.60	5.63	6.30	6.57	6.75	7.25	7.87	8.03	9.86	9.64	9.644
EV/FCF	1.89	3.50	3.89	4.44	3.59	2.76	2.56	3.08	3.52	3.51	3.60	3.62	3.92	4.53	4.52	6.42	6.28	5.81	8.25	9.53	9.535
Earnings Yield	14.2%	15.8%	14.5%	14.4%	14.9%	14.6%	15.7%	15.2%	14.4%	14.5%	14.4%	15.2%	14.5%	11.8%	10.9%	7.1%	7.3%	7.8%	6.7%	6.5%	6.53%
FCF Yield	23.9%	13.9%	12.3%	11.4%	14.2%	18.6%	19.0%	16.8%	15.4%	14.5%	13.9%	13.4%	13.0%	11.2%	11.1%	7.8%	8.3%	9.0%	7.0%	6.0%	5.99%
Price/Tangible Book	snapshot only																				1.874
EV/OCF	snapshot only																				9.213
EV/Gross Profit	snapshot only																				3.391
Acquirers Multiple	snapshot only																				9.644
Shareholder Yield	snapshot only																				5.95%
Graham Number	snapshot only																				$0.66

Leverage & Solvency

Metric	Q1'21	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	Q1'26	Q2'26	Current
Current Ratio	3.62	3.62	3.48	3.48	4.15	4.15	4.35	4.35	5.01	5.01	5.39	5.39	5.76	5.76	5.50	5.50	5.52	5.52	5.76	5.76	5.756
Quick Ratio	3.62	3.62	3.48	3.46	4.15	4.15	4.35	4.29	5.01	5.01	5.39	5.39	5.76	5.76	5.50	5.50	5.52	5.52	5.76	5.76	5.756
Debt/Equity	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.03	0.03	0.033
Net Debt/Equity	-0.86	-0.86	-0.92	-0.91	-0.87	-0.87	-0.89	-0.89	-0.86	-0.86	-0.86	-0.86	-0.82	-0.82	-0.83	-0.83	-0.79	-0.79	-0.79	-0.79	-0.787
Debt/Assets	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03	0.026
Debt/EBITDA	0.25	0.22	0.17	0.16	0.14	0.14	0.12	0.12	0.14	0.15	0.16	0.18	0.20	0.22	0.29	0.30	0.37	0.38	0.29	0.29	0.289
Net Debt/EBITDA	-4.89	-4.46	-4.55	-4.09	-3.74	-3.61	-3.77	-3.95	-4.14	-4.50	-4.88	-5.48	-5.47	-6.16	-6.57	-6.91	-6.96	-7.06	-7.03	-6.95	-6.948
Interest Coverage	123.48	148.50	168.57	153.86	160.56	163.45	156.29	172.32	158.74	152.44	144.05	118.92	113.32	89.08	84.46	149.59	147.31	—	—	—	—
Equity Multiplier	1.41	1.41	1.43	1.43	1.36	1.36	1.34	1.34	1.30	1.30	1.27	1.27	1.26	1.26	1.27	1.27	1.27	1.27	1.25	1.25	1.247
Cash Ratio	snapshot only																				4.233
Cash to Debt	snapshot only																				25.043
FCF to Debt	snapshot only																				3.362
Defensive Interval	snapshot only																				1939.0 days

Efficiency & Turnover

Metric	Q1'21	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	Q1'26	Q2'26	Current
Asset Turnover	1.49	1.63	1.61	1.80	1.83	1.90	1.84	1.81	1.87	1.83	1.83	1.20	1.21	0.89	0.87	1.18	1.17	1.18	1.19	1.20	1.201
Inventory Turnover	—	—	—	363.44	—	—	—	177.30	—	—	—	120.71	—	—	—	—	—	—	—	—	—
Receivables Turnover	6.96	7.62	8.70	9.82	8.13	8.49	8.71	8.58	8.73	8.54	9.07	5.95	5.86	4.31	4.48	6.04	5.94	5.99	6.08	6.14	6.138
Payables Turnover	65.38	71.46	71.04	79.33	75.69	79.06	76.12	80.08	80.24	80.31	83.47	44.50	40.16	27.83	28.75	48.32	46.37	46.96	48.60	49.03	49.028
DSO	52	48	42	37	45	43	42	43	42	43	40	61	62	85	81	60	61	61	60	59	59.5 days
DIO	0	0	0	1	0	0	0	2	0	0	0	3	0	0	0	0	0	0	0	0	0.0 days
DPO	6	5	5	5	5	5	5	5	5	5	4	8	9	13	13	8	8	8	8	7	7.4 days
Cash Conversion Cycle	47	43	37	34	40	38	37	40	37	38	36	56	53	72	69	53	54	53	53	52	52.0 days
Fixed Asset Turnover	snapshot only																				33.996
Cash Velocity	snapshot only																				1.799
Capital Intensity	snapshot only																				0.845

Growth (YoY)

Metric	Q1'21	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	Q1'26	Q2'26	Current
Revenue	60.7%	41.9%	49.4%	36.4%	32.8%	26.5%	18.0%	3.6%	0.3%	-5.9%	-5.8%	-37.0%	-36.8%	-52.5%	-52.3%	-2.0%	-0.4%	36.6%	38.3%	3.7%	3.66%
Net Income	81.8%	77.4%	77.7%	39.7%	25.5%	3.8%	3.6%	3.1%	0.6%	-4.6%	-5.0%	-5.9%	-6.2%	-18.8%	-26.5%	-53.3%	-48.2%	-31.8%	-27.9%	7.4%	7.37%
EPS	81.9%	77.8%	77.6%	39.6%	25.6%	3.8%	4.0%	3.4%	2.0%	-3.2%	-3.8%	-4.4%	-5.5%	-18.1%	-26.4%	-53.3%	-48.1%	-31.7%	-28.2%	6.9%	6.85%
FCF	96.7%	-26.0%	-33.2%	-49.9%	-29.2%	50.3%	48.2%	43.3%	13.3%	-24.9%	-24.8%	-24.7%	-21.3%	-22.8%	-22.4%	-41.1%	-34.5%	-17.1%	-25.9%	-11.3%	-11.25%
EBITDA	1.3%	15.2%	45.0%	49.2%	39.2%	31.4%	13.3%	-1.4%	-11.7%	-21.6%	-22.3%	-27.5%	-25.3%	-27.8%	-27.9%	-22.9%	-20.7%	-12.1%	-6.5%	-0.5%	-0.54%
Op. Income	26.0%	38.5%	64.6%	70.1%	59.5%	44.7%	28.3%	-4.0%	-11.9%	-26.5%	-27.2%	-48.0%	-47.6%	-57.8%	-59.2%	-18.8%	-16.1%	16.2%	26.1%	-1.0%	-1.04%
OCF Growth	snapshot only																				-12.02%
Asset Growth	snapshot only																				3.01%
Equity Growth	snapshot only																				5.14%
Debt Growth	snapshot only																				-4.83%
Shares Change	snapshot only																				0.48%
Dividend Growth	snapshot only																				8.13%

Growth (CAGR)

Metric	Q1'21	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	Q1'26	Q2'26	Current
Revenue 3Y	19.1%	21.7%	23.4%	27.4%	28.6%	30.4%	29.8%	29.4%	28.9%	19.1%	18.4%	-3.8%	-5.6%	-17.3%	-19.0%	-13.8%	-14.2%	-15.2%	-14.6%	-13.8%	-13.80%
Revenue 5Y	—	—	—	—	—	57.5%	36.8%	25.3%	17.6%	16.5%	15.9%	6.2%	6.2%	-0.2%	-0.3%	6.0%	6.1%	1.9%	1.9%	-2.0%	-1.98%
EPS 3Y	19.3%	21.6%	21.3%	27.0%	24.3%	24.9%	26.4%	25.4%	32.6%	21.3%	21.1%	11.3%	6.6%	-6.3%	-9.7%	-22.7%	-20.6%	-18.5%	-20.2%	-21.8%	-21.84%
EPS 5Y	—	—	—	—	—	67.7%	40.8%	26.4%	16.8%	12.6%	12.3%	15.2%	13.1%	9.0%	7.4%	-2.5%	2.7%	-0.0%	-1.2%	-7.2%	-7.17%
Net Income 3Y	18.7%	21.1%	20.5%	26.8%	24.0%	24.6%	25.9%	25.2%	31.9%	20.7%	20.5%	10.7%	5.8%	-7.0%	-10.2%	-23.2%	-21.2%	-19.2%	-20.4%	-22.1%	-22.15%
Net Income 5Y	—	—	—	—	—	67.4%	40.3%	27.4%	16.1%	12.0%	11.5%	14.6%	12.4%	8.5%	6.9%	-2.9%	2.2%	-0.5%	-1.5%	-7.4%	-7.43%
EBITDA 3Y	-0.7%	0.3%	2.1%	6.4%	5.2%	6.5%	4.1%	2.6%	7.6%	5.9%	8.5%	2.2%	-2.8%	-9.4%	-14.0%	-18.0%	-19.4%	-20.8%	-19.4%	-17.8%	-17.80%
EBITDA 5Y	—	—	—	—	—	45.5%	25.9%	13.8%	3.7%	0.8%	-1.3%	-3.0%	-5.2%	-7.3%	-8.7%	-9.6%	-5.9%	-5.5%	-2.9%	-4.0%	-3.96%
Gross Profit 3Y	11.6%	13.6%	14.5%	17.7%	18.7%	20.7%	20.3%	13.1%	12.3%	3.8%	3.4%	2.8%	0.4%	-9.1%	-11.6%	-21.6%	-22.3%	-23.5%	-22.6%	-16.3%	-16.29%
Gross Profit 5Y	—	—	—	—	—	51.2%	30.9%	15.3%	7.5%	4.4%	2.7%	5.2%	4.9%	1.0%	0.7%	-3.4%	-3.0%	-5.6%	-4.8%	-7.7%	-7.73%
Op. Income 3Y	7.6%	12.3%	14.6%	26.1%	20.2%	22.4%	20.3%	14.7%	21.0%	13.8%	15.4%	-5.3%	-9.6%	-23.5%	-27.5%	-26.0%	-27.1%	-28.9%	-27.9%	-25.2%	-25.23%
Op. Income 5Y	—	—	—	—	—	54.6%	33.5%	19.6%	11.9%	8.5%	7.0%	0.0%	-4.3%	-10.7%	-12.3%	-8.6%	-4.9%	-6.3%	-4.6%	-7.4%	-7.36%
FCF 3Y	51.9%	22.9%	15.4%	16.0%	18.9%	31.6%	29.2%	24.3%	16.4%	-5.8%	-9.4%	-18.6%	-14.2%	-4.5%	-4.7%	-14.0%	-16.4%	-21.7%	-24.4%	-26.7%	-26.72%
FCF 5Y	—	—	—	—	—	91.7%	62.6%	35.3%	23.0%	15.9%	11.4%	11.0%	8.4%	5.7%	4.7%	-3.2%	-4.0%	-11.8%	-15.6%	-22.3%	-22.35%
OCF 3Y	51.4%	22.4%	14.9%	15.7%	18.6%	31.3%	28.9%	24.3%	16.3%	-5.6%	-8.9%	-17.8%	-13.4%	-3.4%	-3.9%	-13.5%	-16.0%	-21.4%	-24.1%	-26.4%	-26.38%
OCF 5Y	—	—	—	—	—	89.7%	62.1%	35.2%	23.0%	15.9%	11.4%	11.1%	8.7%	6.2%	5.1%	-2.7%	-3.8%	-11.6%	-15.3%	-22.0%	-22.00%
Assets 3Y	7.9%	8.8%	9.5%	8.5%	3.6%	5.2%	3.7%	4.9%	3.7%	3.7%	2.0%	2.0%	-1.1%	-1.1%	-3.1%	-3.1%	-0.1%	-0.1%	0.9%	0.9%	0.87%
Assets 5Y	—	—	—	—	—	7.0%	6.1%	5.2%	3.8%	4.3%	3.5%	2.9%	1.3%	2.2%	2.1%	2.8%	3.3%	3.3%	1.9%	1.9%	1.89%
Equity 3Y	2.0%	3.2%	4.2%	3.6%	1.3%	2.9%	1.3%	2.9%	6.1%	6.1%	4.3%	4.3%	2.7%	2.7%	0.8%	0.8%	2.4%	2.4%	3.3%	3.3%	3.25%
Book Value 3Y	2.4%	3.6%	4.9%	3.7%	1.5%	3.1%	1.7%	3.1%	6.7%	6.7%	4.9%	4.9%	3.5%	3.5%	1.4%	1.4%	3.2%	3.2%	3.6%	3.7%	3.67%
Dividend 3Y	-0.8%	-3.2%	-3.0%	-3.5%	3.9%	17.2%	24.0%	35.1%	22.3%	0.2%	-5.8%	-20.2%	-15.9%	-12.3%	-11.7%	-4.6%	-5.4%	0.6%	1.7%	3.2%	3.22%

Growth Quality

Metric	Q1'21	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	Q1'26	Q2'26	Current
Revenue Stability	0.66	0.85	0.82	0.88	0.89	0.99	0.97	0.93	0.85	0.89	0.87	0.27	0.24	0.04	0.03	0.02	0.02	0.02	0.02	0.17	0.167
Earnings Stability	0.48	0.80	0.78	0.94	0.74	0.86	0.86	0.96	0.82	0.76	0.75	0.84	0.74	0.40	0.28	0.01	0.02	0.03	0.06	0.34	0.336
Margin Stability	0.90	0.89	0.88	0.87	0.88	0.89	0.89	0.83	0.83	0.81	0.80	0.82	0.81	0.77	0.77	0.78	0.78	0.73	0.74	0.77	0.774
Rev. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	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	0.50	0.50	0.50	0.84	0.90	0.98	0.99	0.99	1.00	0.98	0.98	0.98	0.98	0.92	0.89	0.50	0.81	0.87	0.89	0.97	0.971
Earnings Smoothness	0.42	0.44	0.44	0.67	0.77	0.96	0.96	0.97	0.99	0.95	0.95	0.94	0.94	0.79	0.69	0.27	0.37	0.62	0.68	0.93	0.929
ROE Trend	0.08	0.11	0.10	0.08	0.08	0.04	0.06	0.04	0.03	-0.01	-0.02	-0.02	-0.03	-0.06	-0.08	-0.15	-0.14	-0.10	-0.09	-0.07	-0.065
Gross Margin Trend	-0.06	-0.05	-0.04	-0.03	-0.02	-0.01	-0.01	-0.06	-0.06	-0.08	-0.09	0.09	0.09	0.14	0.13	-0.07	-0.07	-0.08	-0.07	-0.07	-0.071
FCF Margin Trend	0.05	-0.06	-0.08	-0.10	-0.07	-0.03	-0.04	-0.04	-0.03	-0.02	-0.01	0.04	0.03	0.05	0.05	-0.05	-0.04	-0.03	-0.04	-0.04	-0.041
Sustainable Growth Rate	11.4%	16.9%	16.2%	17.3%	14.6%	10.1%	7.4%	2.5%	4.6%	8.8%	9.4%	13.3%	12.0%	9.5%	7.7%	1.4%	2.2%	3.0%	2.2%	1.3%	1.32%
Internal Growth Rate	8.8%	13.7%	13.1%	14.1%	11.8%	7.8%	5.6%	1.8%	3.6%	7.1%	7.8%	11.4%	10.4%	8.0%	6.4%	1.1%	1.8%	2.4%	1.7%	1.1%	1.06%

Cash Flow Quality

Metric	Q1'21	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	Q1'26	Q2'26	Current
OCF/Net Income	1.70	0.89	0.86	0.81	0.97	1.29	1.23	1.12	1.09	1.03	0.99	0.91	0.94	1.00	1.06	1.16	1.18	1.19	1.07	0.95	0.950
FCF/OCF	0.99	0.99	0.98	0.97	0.98	0.98	0.98	0.98	0.98	0.97	0.97	0.96	0.96	0.95	0.96	0.96	0.96	0.97	0.97	0.97	0.966
FCF/Net Income	snapshot only																				0.918
OCF/EBITDA	snapshot only																				1.006
CapEx/Revenue	0.2%	0.1%	0.2%	0.2%	0.2%	0.2%	0.2%	0.3%	0.3%	0.3%	0.3%	0.6%	0.6%	0.8%	0.7%	0.4%	0.3%	0.3%	0.3%	0.3%	0.26%
CapEx/Depreciation	snapshot only																				0.863
Accruals Ratio	-0.12	0.02	0.03	0.04	0.01	-0.06	-0.05	-0.02	-0.02	-0.00	0.00	0.02	0.01	0.00	-0.01	-0.01	-0.02	-0.02	-0.01	0.00	0.005
Sloan Accruals	snapshot only																				0.024
Cash Flow Adequacy	snapshot only																				1.028
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q1'21	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	Q1'26	Q2'26	Current
Dividend Yield	7.4%	6.4%	5.8%	5.5%	6.9%	9.2%	11.3%	13.9%	11.9%	9.4%	9.0%	7.4%	7.5%	6.2%	6.3%	6.2%	6.0%	6.0%	5.6%	5.8%	6.33%
Dividend/Share	$0.04	$0.04	$0.04	$0.04	$0.05	$0.06	$0.07	$0.09	$0.08	$0.06	$0.06	$0.05	$0.05	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04	$0.04
Payout Ratio	52.1%	40.6%	39.8%	38.3%	46.3%	62.6%	72.4%	91.0%	82.9%	65.0%	62.6%	48.4%	51.5%	52.8%	57.5%	88.2%	82.3%	77.1%	83.0%	89.2%	89.23%
FCF Payout Ratio	31.0%	46.2%	47.0%	48.3%	48.8%	49.3%	59.8%	82.7%	77.6%	65.0%	65.3%	55.0%	57.4%	55.6%	56.8%	79.4%	72.5%	66.7%	79.8%	97.2%	97.22%
Total Payout Ratio	54.2%	40.6%	39.8%	38.3%	46.7%	63.4%	77.9%	1.0%	94.4%	78.5%	72.2%	54.1%	57.2%	59.7%	63.7%	95.7%	87.2%	79.8%	85.2%	91.1%	91.07%
Div. Increase Streak	0	0	0	0	0	0	0	0	1	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.04	-0.04	-0.05	-0.05	0.18	0.69	1.00	1.59	0.92	0.09	-0.09	-0.43	-0.34	-0.28	-0.26	-0.09	-0.11	0.06	0.10	0.14	0.145
Buyback Yield	0.3%	0.0%	0.0%	0.0%	0.1%	0.1%	0.9%	1.5%	1.7%	2.0%	1.4%	0.9%	0.8%	0.8%	0.7%	0.5%	0.4%	0.2%	0.2%	0.1%	0.12%
Net Buyback Yield	0.3%	0.0%	0.0%	0.0%	0.1%	0.1%	0.9%	1.5%	1.7%	2.0%	1.4%	0.9%	0.8%	0.8%	0.7%	0.5%	0.4%	0.2%	0.2%	0.1%	0.12%
Total Shareholder Return	7.7%	6.4%	5.8%	5.5%	7.0%	9.3%	12.2%	15.4%	13.6%	11.4%	10.4%	8.2%	8.3%	7.1%	7.0%	6.8%	6.4%	6.2%	5.7%	5.9%	5.95%

DuPont Factors

Metric	Q1'21	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	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.80	0.81	0.80	0.77	0.76	0.75	0.76	0.78	0.79	0.80	0.81	1.00	1.00	1.06	1.08	0.79	0.81	0.82	0.81	0.80	0.800
Interest Burden (EBT/EBIT)	1.90	1.99	1.82	1.75	1.68	1.63	1.71	1.81	1.88	1.89	2.01	1.77	1.79	1.45	1.37	1.28	1.37	1.46	1.42	1.38	1.377
EBIT Margin	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.09	0.09	0.12	0.11	0.08	0.08	0.07	0.07	0.07	0.074
Asset Turnover	1.49	1.63	1.61	1.80	1.83	1.90	1.84	1.81	1.87	1.83	1.83	1.20	1.21	0.89	0.87	1.18	1.17	1.18	1.19	1.20	1.201
Equity Multiplier	1.40	1.40	1.40	1.40	1.39	1.39	1.39	1.39	1.33	1.33	1.31	1.31	1.28	1.28	1.27	1.27	1.26	1.26	1.26	1.26	1.260

Per Share

Metric	Q1'21	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	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.08	$0.09	$0.09	$0.10	$0.10	$0.10	$0.10	$0.10	$0.10	$0.09	$0.09	$0.10	$0.09	$0.08	$0.07	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05
Book Value/Share	$0.35	$0.35	$0.37	$0.37	$0.37	$0.37	$0.36	$0.36	$0.37	$0.37	$0.38	$0.38	$0.39	$0.39	$0.38	$0.38	$0.40	$0.40	$0.40	$0.40	$0.42
Tangible Book/Share	$0.34	$0.34	$0.36	$0.36	$0.36	$0.36	$0.36	$0.35	$0.36	$0.36	$0.37	$0.37	$0.38	$0.38	$0.38	$0.38	$0.39	$0.39	$0.39	$0.39	$0.39
Revenue/Share	$0.68	$0.74	$0.79	$0.88	$0.90	$0.94	$0.94	$0.92	$0.92	$0.90	$0.89	$0.59	$0.59	$0.43	$0.43	$0.58	$0.58	$0.59	$0.59	$0.59	$0.59
FCF/Share	$0.13	$0.08	$0.08	$0.08	$0.09	$0.12	$0.12	$0.11	$0.11	$0.09	$0.09	$0.09	$0.08	$0.07	$0.07	$0.05	$0.06	$0.06	$0.05	$0.04	$0.04
OCF/Share	$0.13	$0.08	$0.08	$0.08	$0.09	$0.12	$0.12	$0.11	$0.11	$0.10	$0.09	$0.09	$0.09	$0.08	$0.07	$0.05	$0.06	$0.06	$0.05	$0.05	$0.05
Cash/Share	$0.31	$0.31	$0.35	$0.35	$0.33	$0.33	$0.33	$0.33	$0.33	$0.33	$0.34	$0.34	$0.33	$0.33	$0.33	$0.33	$0.33	$0.33	$0.33	$0.33	$0.33
EBITDA/Share	$0.06	$0.07	$0.07	$0.08	$0.09	$0.09	$0.09	$0.08	$0.08	$0.07	$0.07	$0.06	$0.06	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05
Debt/Share	$0.02	$0.02	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.02	$0.02	$0.01	$0.01	$0.01
Net Debt/Share	$-0.30	$-0.30	$-0.34	$-0.34	$-0.32	$-0.32	$-0.32	$-0.32	$-0.32	$-0.32	$-0.33	$-0.33	$-0.31	$-0.31	$-0.32	$-0.32	$-0.32	$-0.32	$-0.32	$-0.32	$-0.32

Academic Models

Metric	Q1'21	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	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	8.228
Altman Z-Prime	snapshot only																				16.124
Piotroski F-Score	7	6	4	5	7	7	8	8	8	6	4	4	4	4	5	5	4	5	7	7	7
Beneish M-Score	-2.51	-1.91	-1.63	-1.60	-2.50	-2.80	-2.89	-1.95	-2.60	-2.53	-2.46	—	-2.31	-1.90	-2.39	—	-2.47	-2.45	-2.47	-2.48	-2.479
Ohlson O-Score	snapshot only																				-10.699
ROIC (Greenblatt)	snapshot only																				11.28%
Net-Net WC	snapshot only																				$0.36
EVA	snapshot only																				$27960744.87

Credit

Metric	Q1'21	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	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	94.70	95.09	93.94	94.24	94.33	94.84	93.65	94.69	93.22	94.69	95.15	94.94	94.28	94.32	93.57	94.57	94.30	90.85	91.78	91.86	91.856
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				-2.712
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				81
Sector Credit Rank	snapshot only																				89

CHZ.SI SES

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

Sign in to InsiderStreet