Also trades as: PFCIBEST.CL (BVC) · $vol 12M · CIBEST.CL (BVC) · $vol 5M

$91.91

+0.83 (+0.91%)

Weekly Expected Move ±3.8%

$85 $88 $92 $95 $99

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 45 · $21.8B mcap · 237M float · 0.152% daily turnover · Short 47% of daily vol

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

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

$110

Low

$110

Avg Target

$110

High

Based on 2 analysts since Aug 10, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 5Sell: 3Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$106.00

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-13	Goldman Sachs	—	$98	$110	+12	+14.8%	$95.79
2026-08-11	RBC Capital	—	Initiated	$110	—	+20.3%	$91.47
2026-07-28	Goldman Sachs	—	$69	$98	+29	+11.5%	$87.93
2026-04-23	UBS	—	Initiated	$72	—	-2.2%	$73.65
2026-01-13	Goldman Sachs	—	Initiated	$69	—	-2.7%	$70.92
2025-12-17	Banco Santander	Andres Soto	Initiated	$61	—	-1.3%	$61.83
2024-08-29	Bank of America Securities	Ernesto Gabilondo	Initiated	$34	—	+2.7%	$33.12

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. CIB receives an overall rating of A. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5), P/E (4/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	A-	A
2026-05-07	A	A-
2026-04-01	A-	A
2026-03-06	A	A-
2026-03-03	C+	A
2026-02-26	A-	C+
2026-01-26	A	A-
2026-01-03	A+	A

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

Balance Sheet

Earnings Quality

Growth

Value

—

Momentum

Safety

—

Cash Flow

Risk & Quality Signals

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

Altman-B Score

2.26

Grey Zone

Piotroski F-Score

9/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-3.34

Unlikely Manipulator

Ohlson O-Score

-9.81

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AA-

Score: 81.0/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.82x

Accruals: -1.7%

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. CIB scores 2.26, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. 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. CIB 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. CIB's score of -3.34 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. CIB'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. CIB receives an estimated rating of AA- (score: 81.0/100), 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). CIB'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

9.25x

PEG

0.57x

P/S

1.61x

P/B

1.92x

P/FCF

—

P/OCF

—

EV/EBITDA

—

EV/Revenue

—

EV/EBIT

—

EV/FCF

—

Earnings Yield

—

FCF Yield

—

Shareholder Yield

—

Graham Number

$338622.44

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 9.2x earnings, CIB trades at a deep value multiple. Graham's intrinsic value formula yields $338622.44 per share, suggesting a potential 368328% 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

0.731

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.238

EBIT / Rev

Asset Turnover

0.122

Rev / Assets

Equity Multiplier

9.293

Assets / Equity

ROE

19.7%

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. CIB's ROE of 19.7% is driven by financial leverage (equity multiplier: 9.29x). 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

6.76%

Fair P/E

22.03x

Intrinsic Value

$718887.45

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 CIB's realized 6.8% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CIB trades at a premium to its adjusted intrinsic value of $718887.45, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 22.0x compares to the current market P/E of 9.2x.

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

$91.97

Median 1Y

$99.47

5th Pctile

$50.59

95th Pctile

$196.15

Ann. Volatility

39.0%

Analyst Target

$106.00

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

Workforce & Productivity

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

Employees

33,951

Revenue / Employee

$1,264,098,607

Rev: $42,917,411,806,000

Profit / Employee

$199,611,033

NI: $6,776,994,187,000

SGA / Employee

$169,999,799

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	8.2%	13.9%	18.3%	18.9%	19.7%	19.0%	20.2%	18.5%	17.0%	15.9%	16.5%	16.0%	15.4%	15.4%	16.4%	16.6%	17.6%	17.4%	18.1%	19.7%	19.72%
ROA	0.9%	1.5%	1.9%	2.0%	2.2%	2.1%	2.1%	2.0%	1.9%	1.8%	1.8%	1.7%	1.8%	1.8%	1.8%	1.8%	2.0%	1.9%	1.9%	2.1%	2.12%
ROIC	5.0%	10.7%	12.9%	12.3%	12.2%	13.6%	13.0%	13.1%	12.7%	18.0%	15.8%	15.6%	14.5%	14.7%	17.7%	21.1%	20.2%	19.5%	20.3%	21.9%	21.90%
ROCE	5.0%	7.9%	9.8%	10.2%	10.4%	9.9%	9.8%	9.3%	8.8%	9.3%	9.2%	8.9%	9.4%	10.8%	10.5%	11.1%	11.9%	2.6%	8.5%	3.1%	3.06%
Gross Margin	70.9%	81.0%	76.9%	69.6%	59.3%	51.1%	46.7%	44.9%	46.8%	47.9%	51.0%	50.0%	50.5%	58.7%	56.7%	57.7%	61.1%	59.3%	59.2%	64.6%	64.60%
Operating Margin	28.4%	36.0%	40.3%	36.0%	28.7%	19.5%	20.6%	17.0%	17.8%	16.7%	22.1%	17.0%	19.7%	22.2%	24.0%	23.6%	28.1%	17.0%	20.5%	29.6%	29.61%
Net Margin	17.3%	24.3%	26.6%	24.3%	18.7%	16.2%	15.1%	13.0%	13.6%	12.6%	15.4%	13.4%	14.0%	15.1%	16.9%	17.0%	20.1%	13.5%	13.9%	21.9%	21.94%
EBITDA Margin	28.4%	36.0%	40.3%	36.0%	28.7%	19.5%	22.8%	19.3%	20.3%	19.4%	24.4%	19.3%	22.1%	24.6%	26.4%	26.0%	30.5%	19.6%	22.9%	29.6%	29.61%
FCF Margin	14.7%	29.7%	34.5%	33.7%	30.2%	32.1%	22.4%	21.4%	22.5%	24.5%	29.2%	19.0%	2.1%	-20.1%	-23.8%	-6.9%	0.3%	23.2%	23.6%	26.4%	26.39%
OCF Margin	24.3%	40.4%	45.1%	44.4%	39.8%	43.7%	33.5%	31.8%	31.8%	24.0%	5.7%	-5.2%	-22.6%	-37.9%	-18.9%	-2.2%	5.5%	28.4%	29.0%	31.7%	31.68%
ROE 3Y Avg	snapshot only																				17.51%
ROE 5Y Avg	snapshot only																				17.58%
ROA 3Y Avg	snapshot only																				1.90%
ROIC 3Y Avg	snapshot only																				14.09%
ROIC Economic	snapshot only																				12.39%
Cash ROA	snapshot only																				4.00%
Cash ROIC	snapshot only																				41.57%
CROIC	snapshot only																				34.64%
NOPAT Margin	snapshot only																				16.69%
Pretax Margin	snapshot only																				23.79%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				19.47%
SBC / Revenue	snapshot only																				0.00%

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	9.245
P/S Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.606
P/B Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.921
P/FCF	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
P/OCF	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBITDA	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EV/Revenue	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBIT	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EV/FCF	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Earnings Yield	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF Yield	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
PEG Ratio	snapshot only																				0.568
Graham Number	snapshot only																				$338622.44

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	0.10	0.24	0.12	0.10	0.10	0.24	0.10	0.11	0.10	0.26	0.23	0.22	0.24	0.21	0.21	0.22	0.21	33.73	0.09	4.16	4.157
Quick Ratio	0.10	0.24	0.12	0.10	0.10	0.24	0.10	0.11	0.10	0.26	0.23	0.22	0.24	0.21	0.21	0.22	0.21	33.73	0.09	4.16	4.157
Debt/Equity	1.20	0.98	1.13	1.14	1.12	1.05	1.09	1.02	0.91	0.85	0.86	0.80	0.78	0.69	0.64	0.66	0.66	0.49	0.55	0.64	0.643
Net Debt/Equity	0.62	0.21	0.40	0.50	0.53	0.32	0.45	0.37	0.35	-0.09	0.07	-0.00	0.03	-0.00	-0.11	-0.22	-0.13	-0.09	-0.09	-0.08	-0.084
Debt/Assets	0.13	0.11	0.12	0.12	0.12	0.12	0.12	0.11	0.10	0.09	0.09	0.09	0.09	0.08	0.07	0.07	0.07	0.05	0.05	0.07	0.068
Debt/EBITDA	10.05	5.26	4.37	4.24	4.14	4.22	4.15	4.04	3.81	3.53	3.39	3.43	3.44	3.06	2.63	2.60	2.44	1.76	1.88	2.09	2.092
Net Debt/EBITDA	5.23	1.16	1.55	1.85	1.95	1.27	1.70	1.47	1.48	-0.39	0.26	-0.00	0.14	-0.01	-0.44	-0.86	-0.48	-0.31	-0.31	-0.27	-0.275
Interest Coverage	0.81	1.38	1.74	1.76	1.55	1.15	0.84	0.64	0.53	0.49	0.49	0.50	0.53	0.58	0.61	0.68	0.76	0.75	0.74	0.83	0.827
Equity Multiplier	8.91	8.99	9.65	9.42	9.19	9.03	9.46	9.27	9.01	9.00	9.24	8.98	8.64	8.55	8.96	9.09	8.84	9.55	10.70	9.52	9.524
Cash Ratio	snapshot only																				4.157
Debt Service Coverage	snapshot only																				0.889
Cash to Debt	snapshot only																				1.131
FCF to Debt	snapshot only																				0.493
Defensive Interval	snapshot only																				592.7 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	0.08	0.08	0.08	0.09	0.09	0.10	0.12	0.13	0.13	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.11	0.12	0.12	0.122
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	12.65	63.20	9.89	16.44	15.00	74.71	16.05	29.47	22.55	84.08	3.24	3.08	31.33	72.45	1.63	1.59	3.11	145.42	3.29	3.35	3.352
Payables Turnover	—	5.32	—	—	—	6.49	—	—	—	12.10	33.66	26.97	24.45	11.73	13.61	11.49	10.30	19.35	23.43	21.63	21.627
DSO	29	6	37	22	24	5	23	12	16	4	113	118	12	5	223	229	118	3	111	109	108.9 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	0	69	0	0	0	56	0	0	0	30	11	14	15	31	27	32	35	19	16	17	16.9 days
Cash Conversion Cycle	29	-63	37	22	24	-51	23	12	16	-26	102	105	-3	-26	197	198	82	-16	95	92	92.0 days
Fixed Asset Turnover	snapshot only																				6.983
Cash Velocity	snapshot only																				1.651
Capital Intensity	snapshot only																				7.926

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	-5.5%	0.8%	9.9%	22.0%	36.7%	50.4%	62.2%	64.4%	53.6%	38.2%	18.6%	6.2%	-0.1%	-4.3%	-4.0%	-3.5%	-2.9%	-0.2%	1.4%	4.2%	4.22%
Net Income	1.3%	13.8%	9.9%	2.4%	1.8%	66.0%	28.3%	9.3%	-4.2%	-9.8%	-10.4%	-6.3%	-4.1%	2.5%	4.6%	10.8%	21.2%	15.8%	10.0%	15.2%	15.16%
EPS	1.3%	13.8%	9.9%	2.4%	1.8%	-58.5%	-67.9%	-72.7%	-76.0%	-9.8%	-10.4%	-6.3%	-4.1%	2.5%	5.5%	10.8%	21.2%	16.8%	10.5%	17.3%	17.25%
FCF	1.4%	1.6%	6.1%	96.5%	1.8%	62.5%	5.5%	4.5%	14.4%	5.3%	54.0%	-5.8%	-90.8%	-1.8%	-1.8%	-1.4%	-84.9%	2.2%	2.0%	5.0%	4.97%
EBITDA	1.9%	18.4%	12.1%	2.8%	1.7%	62.8%	23.9%	3.3%	-9.4%	-5.3%	-4.7%	-0.9%	3.5%	5.8%	6.5%	14.9%	22.7%	12.5%	8.2%	7.7%	7.69%
Op. Income	1.9%	18.4%	12.1%	2.8%	1.7%	62.8%	20.7%	-2.4%	-17.2%	-16.4%	-13.6%	-7.4%	0.5%	7.5%	8.1%	17.4%	26.1%	13.5%	8.8%	11.0%	10.96%
OCF Growth	snapshot only																				15.85%
Asset Growth	snapshot only																				-6.41%
Equity Growth	snapshot only																				-10.70%
Debt Growth	snapshot only																				-13.44%
Shares Change	snapshot only																				-1.79%
Dividend Growth	snapshot only																				-66.34%

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	0.9%	2.5%	4.0%	6.0%	9.5%	14.1%	19.1%	23.0%	25.6%	28.0%	28.3%	28.7%	28.0%	25.8%	22.7%	19.0%	14.2%	9.7%	4.9%	2.2%	2.23%
Revenue 5Y	1.9%	2.1%	2.8%	4.2%	6.7%	9.4%	12.7%	15.3%	16.6%	17.5%	16.7%	15.8%	15.0%	14.5%	14.0%	13.8%	14.0%	14.9%	15.5%	16.5%	16.47%
EPS 3Y	-2.4%	15.4%	21.1%	21.2%	21.7%	-18.4%	-13.6%	0.0%	16.0%	77.0%	46.4%	-4.1%	-14.0%	-27.4%	-32.8%	-34.3%	-34.7%	2.6%	1.5%	6.8%	6.76%
EPS 5Y	-0.1%	7.4%	11.4%	14.5%	18.3%	-8.3%	-7.7%	-8.1%	-9.2%	-10.5%	-12.6%	-14.5%	-16.1%	-12.9%	-9.4%	0.8%	12.6%	46.0%	29.6%	2.8%	2.75%
Net Income 3Y	-2.4%	15.4%	21.1%	21.2%	21.7%	29.6%	37.2%	58.8%	84.1%	1.8%	1.3%	52.2%	36.6%	15.3%	6.3%	4.3%	3.7%	2.3%	1.0%	6.1%	6.12%
Net Income 5Y	-0.1%	7.4%	11.4%	14.5%	18.3%	21.0%	21.8%	21.2%	19.8%	18.1%	15.3%	12.8%	10.6%	15.0%	19.3%	33.0%	48.6%	92.3%	70.6%	35.1%	35.10%
EBITDA 3Y	-5.5%	13.3%	19.6%	20.5%	20.9%	24.4%	33.4%	56.4%	92.1%	2.1%	1.5%	57.7%	37.0%	17.7%	7.9%	5.5%	4.8%	4.1%	3.2%	7.0%	7.02%
EBITDA 5Y	-3.4%	5.9%	11.9%	15.6%	19.8%	16.9%	17.6%	17.2%	16.0%	17.5%	15.1%	12.4%	10.6%	14.1%	19.2%	34.2%	55.2%	1.0%	77.9%	37.1%	37.15%
Gross Profit 3Y	3.5%	11.9%	15.7%	16.9%	17.5%	18.1%	20.2%	26.1%	30.7%	36.9%	37.2%	28.3%	22.3%	15.0%	10.2%	8.2%	7.4%	7.4%	7.4%	9.3%	9.34%
Gross Profit 5Y	1.8%	6.7%	9.5%	11.2%	12.8%	12.9%	13.6%	14.1%	14.0%	14.6%	13.7%	12.9%	12.0%	12.9%	14.1%	18.1%	21.8%	25.3%	25.6%	21.5%	21.54%
Op. Income 3Y	-1.6%	18.3%	24.9%	25.8%	26.5%	29.6%	36.8%	58.4%	86.4%	2.0%	1.4%	51.3%	31.6%	13.5%	4.1%	2.0%	1.6%	0.7%	0.5%	6.5%	6.46%
Op. Income 5Y	-0.8%	8.6%	14.5%	18.4%	22.9%	19.5%	19.7%	18.7%	16.7%	17.6%	15.2%	12.5%	11.0%	14.4%	19.1%	34.0%	52.3%	1.0%	74.3%	35.2%	35.17%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	24.6%	-33.5%	—	—	—	-74.9%	-1.5%	6.7%	9.6%	9.61%
FCF 5Y	27.9%	37.8%	36.2%	32.1%	—	1.8%	—	—	—	—	—	—	—	—	—	—	—	—	—	22.0%	22.01%
OCF 3Y	1.2%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-41.0%	-4.9%	-0.1%	2.1%	2.13%
OCF 5Y	22.2%	30.8%	30.8%	28.7%	64.5%	60.6%	—	—	94.4%	—	—	—	—	—	—	—	—	—	—	18.4%	18.42%
Assets 3Y	9.3%	9.6%	9.1%	10.7%	12.3%	14.3%	8.2%	8.2%	8.4%	10.3%	9.4%	9.9%	9.4%	8.7%	7.7%	6.2%	3.7%	2.4%	3.7%	1.2%	1.22%
Assets 5Y	7.1%	8.1%	8.2%	9.0%	10.5%	11.6%	11.7%	10.6%	10.4%	9.3%	8.5%	8.8%	8.3%	9.5%	5.7%	7.0%	7.1%	8.2%	8.6%	5.8%	5.75%
Equity 3Y	9.3%	9.1%	7.4%	9.4%	10.6%	13.3%	10.7%	11.3%	10.3%	12.8%	9.7%	10.6%	10.6%	10.5%	10.4%	7.5%	5.1%	0.5%	-0.5%	0.3%	0.30%
Book Value 3Y	9.3%	9.1%	7.4%	9.4%	10.6%	-28.6%	-30.2%	-29.9%	-30.5%	-28.9%	-30.9%	-30.3%	-30.3%	-30.4%	-30.3%	-32.3%	-33.8%	0.8%	-0.1%	0.9%	0.91%
Dividend 3Y	-23.6%	-33.0%	-45.9%	1.1%	33.2%	7.3%	44.4%	-6.1%	-21.0%	-29.1%	-34.3%	-35.0%	-35.7%	-36.4%	-36.8%	-20.3%	-23.7%	15.5%	9.0%	-30.4%	-30.44%

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	0.61	0.75	0.67	0.47	0.46	0.47	0.51	0.56	0.63	0.71	0.75	0.75	0.77	0.80	0.82	0.80	0.80	0.81	0.79	0.73	0.728
Earnings Stability	0.08	0.00	0.02	0.13	0.19	0.31	0.39	0.49	0.47	0.52	0.53	0.60	0.54	0.60	0.62	0.75	0.76	0.70	0.59	0.67	0.675
Margin Stability	0.88	0.80	0.77	0.80	0.82	0.79	0.77	0.79	0.80	0.77	0.76	0.80	0.84	0.85	0.82	0.79	0.79	0.81	0.84	0.90	0.900
Rev. Growth Consistency	0.00	0.50	0.50	0.50	0.50	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	0.50	0.50	0.500
Earn. Growth Consistency	0.50	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	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	1	1	1	1	1	1	1	1	1	1	0	0	0	1	0	0	0	0
Earnings Persistence	0.50	0.50	0.50	0.50	0.50	0.50	0.89	0.96	0.98	0.96	0.96	0.97	0.98	0.99	0.98	0.96	0.92	0.94	0.96	0.94	0.939
Earnings Smoothness	0.19	0.00	0.00	0.00	0.06	0.50	0.75	0.91	0.96	0.90	0.89	0.93	0.96	0.98	0.96	0.90	0.81	0.85	0.90	0.86	0.859
ROE Trend	-0.01	0.06	0.12	0.12	0.12	0.10	0.09	0.06	0.04	0.01	-0.01	-0.02	-0.03	-0.02	-0.02	-0.00	0.02	0.03	0.03	0.05	0.051
Gross Margin Trend	0.08	0.22	0.28	0.27	0.21	0.09	-0.01	-0.12	-0.17	-0.19	-0.17	-0.13	-0.09	-0.02	0.03	0.07	0.10	0.09	0.09	0.09	0.087
FCF Margin Trend	0.58	0.64	0.63	0.48	0.41	0.43	0.09	-0.06	0.00	-0.06	0.01	-0.09	-0.24	-0.48	-0.50	-0.27	-0.12	0.21	0.21	0.20	0.204
Sustainable Growth Rate	5.8%	12.3%	17.4%	15.9%	14.9%	12.5%	11.2%	9.6%	8.4%	7.3%	7.3%	7.0%	6.8%	7.0%	7.6%	-0.5%	3.1%	4.9%	6.8%	13.9%	13.89%
Internal Growth Rate	0.6%	1.3%	1.9%	1.7%	1.7%	1.4%	1.2%	1.0%	0.9%	0.8%	0.8%	0.8%	0.8%	0.8%	0.8%	—	0.4%	0.6%	0.7%	1.5%	1.52%

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	2.13	2.15	1.98	1.90	1.72	2.10	1.86	2.04	2.21	1.77	0.42	-0.38	-1.63	-2.61	-1.27	-0.14	0.32	1.69	1.80	1.82	1.821
FCF/OCF	0.61	0.73	0.77	0.76	0.76	0.73	0.67	0.67	0.71	1.02	5.15	-3.63	-0.09	0.53	1.26	3.12	0.06	0.82	0.82	0.83	0.833
FCF/Net Income	snapshot only																				1.517
OCF/EBITDA	snapshot only																				1.238
CapEx/Revenue	9.6%	10.7%	10.6%	10.7%	9.7%	11.6%	11.0%	10.4%	9.4%	6.1%	5.1%	4.7%	4.5%	4.8%	4.9%	4.7%	5.2%	5.2%	5.3%	5.3%	5.29%
CapEx/Depreciation	snapshot only																				2.955
Accruals Ratio	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	0.01	0.02	0.05	0.06	0.04	0.02	0.01	-0.01	-0.01	-0.02	-0.017
Sloan Accruals	snapshot only																				0.675
Cash Flow Adequacy	snapshot only																				3.037
Earnings Quality Score	snapshot only																				1.000

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.35%
Dividend/Share	$11420.80	$7772.15	$4144.46	$15561.82	$26994.91	$9609.49	$12466.47	$12884.44	$13300.35	$13716.33	$14131.52	$14135.01	$14134.65	$14134.58	$14256.14	$28676.72	$25142.75	$21806.79	$18319.78	$9651.97	$13042.79
Payout Ratio	28.9%	11.4%	4.7%	15.9%	24.6%	34.1%	44.3%	48.0%	50.7%	53.9%	56.0%	56.2%	56.2%	54.2%	53.6%	1.0%	82.4%	71.6%	62.3%	29.6%	29.57%
FCF Payout Ratio	22.4%	7.2%	3.1%	11.0%	18.9%	22.0%	35.6%	34.9%	32.5%	29.9%	26.2%	40.6%	3.8%	—	—	—	44.4%	51.9%	42.5%	19.5%	19.49%
Total Payout Ratio	28.9%	11.4%	4.7%	15.9%	24.6%	34.1%	44.3%	48.0%	50.7%	53.9%	56.0%	56.2%	56.2%	54.2%	53.6%	1.0%	82.4%	72.6%	66.9%	37.1%	37.15%
Div. Increase Streak	0	0	0	0	0	0	0	1	1	1	1	1	1	1	0	1	1	1	0	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Buyback Yield	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Shareholder Return	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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)	0.66	0.68	0.67	0.66	0.66	0.70	0.72	0.74	0.77	0.75	0.74	0.75	0.73	0.72	0.72	0.70	0.71	0.73	0.73	0.73	0.731
Interest Burden (EBT/EBIT)	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
EBIT Margin	0.17	0.28	0.34	0.35	0.35	0.30	0.25	0.21	0.19	0.18	0.18	0.18	0.19	0.20	0.21	0.22	0.24	0.23	0.22	0.24	0.238
Asset Turnover	0.08	0.08	0.08	0.09	0.09	0.10	0.12	0.13	0.13	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.11	0.12	0.12	0.122
Equity Multiplier	9.19	9.28	9.49	9.29	9.07	9.01	9.55	9.34	9.10	9.01	9.35	9.12	8.82	8.76	9.09	9.04	8.74	9.03	9.78	9.29	9.293

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)	$39521.73	$67983.80	$87768.49	$98128.43	$109550.43	$28210.87	$28148.15	$26820.66	$26248.89	$25438.82	$25217.14	$25130.98	$25170.22	$26065.99	$26600.41	$27836.46	$30510.16	$30450.93	$29398.05	$32638.50	$32638.50
Book Value/Share	$503393.77	$536218.07	$502381.08	$553639.71	$607555.83	$162561.06	$153530.99	$151971.77	$156092.18	$158404.84	$151734.32	$163105.90	$170090.61	$181082.33	$170435.69	$171731.82	$176239.00	$166645.22	$153297.16	$156141.65	$161354.43
Tangible Book/Share	$366021.32	$392678.52	$366724.03	$404078.88	$442179.32	$119147.04	$111558.48	$114003.85	$119119.08	$123098.29	$116272.84	$124881.57	$131533.14	$140460.04	$132043.80	$134067.96	$139755.50	$156009.76	$142812.69	$146022.99	$146022.99
Revenue/Share	$346891.41	$361530.35	$385237.88	$419743.62	$474056.52	$135930.53	$156210.12	$172480.09	$182060.36	$187803.91	$185202.55	$183184.88	$181867.08	$179798.35	$179312.09	$176806.93	$176670.11	$181126.03	$182639.49	$187619.22	$187619.22
FCF/Share	$51036.78	$107349.87	$132943.74	$141378.51	$143004.68	$43624.19	$35064.12	$36923.83	$40883.66	$45942.93	$54011.11	$34797.78	$3752.08	$-36123.04	$-42614.42	$-12254.27	$566.09	$42024.99	$43117.49	$49511.70	$49511.70
OCF/Share	$84175.77	$146111.86	$173659.37	$186210.16	$188824.81	$59361.15	$52297.27	$54792.02	$57926.91	$45116.67	$10496.18	$-9574.17	$-41073.70	$-68117.70	$-33912.82	$-3931.53	$9679.12	$51442.46	$52876.96	$59430.57	$59430.57
Cash/Share	$289721.70	$408157.58	$367224.51	$356130.68	$359589.27	$119653.85	$98978.60	$98741.83	$86996.62	$150241.64	$120277.24	$130855.86	$127774.71	$125007.83	$126649.96	$151630.93	$138638.42	$95597.66	$98308.30	$113606.80	$113606.80
EBITDA/Share	$60099.69	$99543.98	$130429.09	$148941.66	$164776.01	$40526.16	$40398.08	$38452.56	$37333.56	$38386.80	$38515.50	$38106.20	$38658.07	$40628.40	$41360.76	$43771.88	$47451.40	$46139.94	$44954.28	$47993.71	$47993.71
Debt/Share	$604159.13	$523411.65	$569487.57	$631076.58	$681672.95	$171211.22	$167570.99	$155377.82	$142212.08	$135392.69	$130376.27	$130830.83	$133082.97	$124407.34	$108639.42	$113932.19	$115890.37	$81241.23	$84521.66	$100417.62	$100417.62
Net Debt/Share	$314437.43	$115254.07	$202263.06	$274945.89	$322083.68	$51557.38	$68592.39	$56635.99	$55215.46	$-14848.95	$10099.03	$-25.04	$5308.26	$-600.49	$-18010.54	$-37698.74	$-22748.05	$-14356.44	$-13786.64	$-13189.18	$-13189.18

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.255
Piotroski F-Score	6	7	9	8	7	5	6	7	5	7	7	6	5	4	5	5	6	8	7	9	9
Beneish M-Score	-2.16	-2.77	-1.75	-2.61	-2.24	-1.82	-2.11	-1.92	-2.18	-2.47	14.02	13.24	9.10	-2.36	-2.34	-2.48	-2.55	-3.27	-3.43	-3.34	-3.336
Ohlson O-Score	snapshot only																				-9.811
ROIC (Greenblatt)	snapshot only																				39.45%
Net-Net WC	snapshot only																				$-1212100.80
EVA	snapshot only																				$4018923050000.00

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	44.79	55.35	59.44	60.81	61.58	61.38	62.24	62.44	63.32	76.27	74.38	62.74	58.73	63.71	57.67	57.57	57.74	80.30	78.25	81.00	80.996
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				23.422
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				84
Sector Credit Rank	snapshot only																				73

CIB NYSE

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

Workforce & Productivity

Scaling Efficiency

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