Also trades as: CIM (NYSE) · $vol 8M · CIM-PC (NYSE) · $vol 0M · CIM-PD (NYSE) · $vol 0M · CIMP (NYSE) · $vol 0M · CIMN (NYSE) · $vol 0M · CIM-PA (NYSE) · $vol 0M · CIMO (NYSE) · $vol 0M

$23.33

-0.03 (-0.13%)

Weekly Expected Move ±1.2%

$23 $23 $23 $24 $24

NYSE · Real Estate · REIT - Mortgage · Tech Score Sell · Power 34 · $1.0B mcap · 42M float · 0.076% daily turnover

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

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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

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 6Sell: 2Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

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.

C-

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. CIM-PB receives an overall rating of C-. Strongest factors: DCF (4/5). Areas of concern: ROE (1/5), ROA (1/5), D/E (1/5), P/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-05-07	B-	C-
2026-04-22	B	B-
2026-04-01	C+	B
2026-02-18	B	C+
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.

★ ★ ★ ★ ★ 5 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

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. CIM-PB scores highest in Value (62/100) and lowest in Momentum (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman Z-Score

0.62

Distress Zone

Piotroski F-Score

3/9

✓ ✗ ✗ ✗ ✗ ✓ ✗ ✗ ✓

Beneish M-Score

-1.42

Possible Manipulator

Ohlson O-Score

-5.24

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

Score: 25.0/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: -117.95x

Accruals: 0.9%

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. CIM-PB scores 0.62, 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. CIM-PB scores 3/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. 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. CIM-PB's score of -1.42 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. CIM-PB's implied 0.5% 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. CIM-PB receives an estimated rating of B (score: 25.0/100), 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). CIM-PB's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

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

-12.38x

PEG

0.19x

P/S

1.15x

P/B

0.32x

P/FCF

-13.59x

P/OCF

—

EV/EBITDA

47.69x

EV/Revenue

20.53x

EV/EBIT

50.77x

EV/FCF

-104.65x

Earnings Yield

0.06%

FCF Yield

-7.36%

Shareholder Yield

13.97%

Graham Number

$3.06

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. CIM-PB currently has negative earnings — the P/E ratio is not meaningful. Graham's intrinsic value formula yields $3.06 per share, 662% 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

-1.151

NI / EBT

Interest Burden

-0.004

EBT / EBIT

EBIT Margin

0.404

EBIT / Rev

Asset Turnover

0.047

Rev / Assets

Equity Multiplier

6.132

Assets / Equity

ROE

0.0%

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. CIM-PB's ROE of 0.0% is driven by financial leverage (equity multiplier: 6.13x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of -1.15 suggests the company retains less than 60% of pre-tax earnings after taxes.

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

0.00%

Fair P/E

8.50x

Intrinsic Value

$0.12

Price/Value

188.58x

Margin of Safety

-18757.69%

Premium

18757.69%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CIM-PB's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CIM-PB trades at a 18758% premium to its adjusted intrinsic value of $0.12, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of -12.4x.

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 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$23.38

Median 1Y

$22.92

5th Pctile

$11.65

95th Pctile

$45.09

Ann. Volatility

41.7%

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

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Phillip J. Kardis II President, Chief Executive Officer and Director	$850,000	$2,617,466	$6,790,329
Subramaniam Viswanathan Financial ancial Officer	$700,000	$1,215,257	$3,294,920
Dan Thakkar Credit Credit & Risk Officer	$500,000	$934,815	$2,286,490
Miyun Sung Legal Legal Officer and Corporate Secretary	$350,000	$373,932	$1,186,369
Choudhary Yarlagadda President, sident, Chief Operating Officer, Co-Chief Investment Officer and Director	$167,179	$—	$253,464
Jack L. Macdowell, Jr. Chief Investment Officer	$60,484	$—	$130,156

CEO Pay Ratio

96:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $6,790,329

Avg Employee Cost (SGA/emp): $70,910

Employees: 423

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

423

+449.4% YoY

Revenue / Employee

$1,940,357

Rev: $820,771,000

Profit / Employee

$544,915

NI: $230,499,000

SGA / Employee

$70,910

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	21.2%	17.8%	7.2%	-2.3%	-18.2%	-16.0%	-6.4%	0.2%	7.5%	4.8%	7.5%	8.4%	13.5%	6.9%	8.1%	7.3%	2.1%	9.0%	0.8%	0.0%	0.05%
ROA	4.7%	4.1%	1.6%	-0.5%	-4.0%	-3.6%	-1.3%	0.0%	1.5%	1.0%	1.5%	1.6%	2.7%	1.4%	1.7%	1.4%	0.4%	1.6%	0.1%	0.0%	0.01%
ROIC	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%	1.0%	2.1%	2.0%	1.5%	1.49%
ROCE	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%	1.5%	3.3%	3.4%	1.9%	1.86%
Gross Margin	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	91.8%	93.0%	22.0%	84.3%	84.30%
Operating Margin	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%	62.6%	84.5%	-24.4%	17.0%	16.98%
Net Margin	87.4%	47.4%	1.1%	1.2%	1.1%	75.1%	71.0%	62.8%	12.0%	63.0%	88.8%	76.9%	89.8%	1.3%	84.9%	59.0%	-0.3%	13.5%	-23.3%	17.3%	17.28%
EBITDA Margin	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%	63.0%	89.2%	-19.3%	18.3%	18.30%
FCF Margin	41.0%	49.1%	1.4%	12.1%	-80.5%	-78.4%	-2.4%	2.1%	73.0%	1.0%	89.0%	70.7%	47.4%	79.7%	63.8%	40.9%	-15.6%	-35.8%	-7.9%	-19.6%	-19.61%
OCF Margin	41.0%	49.1%	1.4%	12.1%	-80.5%	-78.4%	-2.4%	2.1%	73.0%	1.0%	89.0%	70.7%	47.4%	79.7%	63.8%	40.9%	-15.6%	-35.8%	-7.9%	-19.6%	-19.61%
ROE 3Y Avg	snapshot only																				5.23%
ROE 5Y Avg	snapshot only																				2.67%
ROA 3Y Avg	snapshot only																				0.99%
ROIC 3Y Avg	snapshot only																				1.27%
ROIC Economic	snapshot only																				1.45%
Cash ROA	snapshot only																				-0.89%
Cash ROIC	snapshot only																				-0.93%
CROIC	snapshot only																				-0.93%
NOPAT Margin	snapshot only																				31.65%
Pretax Margin	snapshot only																				-0.14%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				11.04%
SBC / Revenue	snapshot only																				3.65%

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	5.10	6.33	16.27	-47.36	-4.96	-6.61	-17.64	851.82	19.84	35.03	8.41	7.89	5.04	10.43	8.49	9.93	34.37	8.34	94.71	1602.90	-12.381
P/S Ratio	3.44	4.01	10.64	82.97	-5.80	-8.17	-36.73	39.02	13.39	21.57	6.18	6.03	4.24	7.12	5.88	6.48	5.12	2.76	2.66	2.67	1.145
P/B Ratio	1.06	1.13	1.22	1.19	1.11	1.27	1.28	1.47	1.53	1.73	0.63	0.65	0.65	0.73	0.69	0.73	0.74	0.75	0.74	0.80	0.321
P/FCF	8.37	8.17	7.62	6.85	7.20	10.41	15.45	18.53	18.36	20.71	6.94	8.53	8.94	8.93	9.21	15.85	-32.89	-7.73	-33.61	-13.59	-13.590
P/OCF	8.37	8.17	7.62	6.85	7.20	10.41	15.45	18.53	18.36	20.71	6.94	8.53	8.94	8.93	9.21	15.85	—	—	—	—	—
EV/EBITDA	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	94.28	44.41	47.74	47.69	47.688
EV/Revenue	13.12	14.12	40.39	334.42	-25.85	-33.09	-150.57	148.31	48.89	69.86	41.85	40.12	29.60	45.62	38.70	45.35	36.54	21.14	20.48	20.53	20.525
EV/EBIT	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-12577.16	-14091.77	95.53	45.26	50.28	50.77	50.766
EV/FCF	31.97	28.76	28.93	27.59	32.10	42.19	63.34	70.43	67.02	67.07	47.03	56.73	62.46	57.21	60.65	111.00	-234.60	-59.13	-259.11	-104.65	-104.649
Earnings Yield	19.6%	15.8%	6.1%	-2.1%	-20.1%	-15.1%	-5.7%	0.1%	5.0%	2.9%	11.9%	12.7%	19.8%	9.6%	11.8%	10.1%	2.9%	12.0%	1.1%	0.1%	0.06%
FCF Yield	11.9%	12.2%	13.1%	14.6%	13.9%	9.6%	6.5%	5.4%	5.4%	4.8%	14.4%	11.7%	11.2%	11.2%	10.9%	6.3%	-3.0%	-12.9%	-3.0%	-7.4%	-7.36%
PEG Ratio	snapshot only																				0.185
Price/Tangible Book	snapshot only																				0.804
EV/Gross Profit	snapshot only																				28.104
Acquirers Multiple	snapshot only																				51.238
Shareholder Yield	snapshot only																				13.97%
Graham Number	snapshot only																				$3.06

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	2.29	2.32	3.66	2.58	0.00	—	0.00	0.00	3.85	0.13	105.93	—	53.25	2.60	69.01	2.03	1.96	0.07	0.08	3.10	3.104
Quick Ratio	2.29	2.32	3.66	2.58	0.00	—	0.00	0.00	3.85	0.13	105.93	—	53.25	2.60	69.01	2.03	1.96	0.07	0.08	3.10	3.104
Debt/Equity	3.07	2.96	3.45	3.67	3.86	3.98	4.07	4.19	4.12	3.95	3.70	3.75	3.93	3.96	3.93	4.47	4.75	5.08	5.17	5.57	5.568
Net Debt/Equity	2.99	2.86	3.40	3.62	3.83	3.88	3.98	4.11	4.06	3.86	3.64	3.69	3.89	3.93	3.84	4.38	4.56	4.97	4.98	5.38	5.384
Debt/Assets	0.74	0.72	0.76	0.78	0.75	0.79	0.76	0.80	0.80	0.78	0.78	0.75	0.78	0.76	0.79	0.79	0.81	0.83	0.80	0.84	0.838
Debt/EBITDA	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	84.47	39.44	43.16	42.91	42.911
Net Debt/EBITDA	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	81.06	38.60	41.55	41.49	41.495
Interest Coverage	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	0.27	0.59	0.48	0.50	0.496
Equity Multiplier	4.16	4.12	4.57	4.72	5.15	5.03	5.36	5.24	5.17	5.05	4.74	4.97	5.01	5.19	4.99	5.66	5.88	6.14	6.49	6.64	6.642
Cash Ratio	snapshot only																				2.479
Debt Service Coverage	snapshot only																				0.528
Cash to Debt	snapshot only																				0.033
FCF to Debt	snapshot only																				-0.011
Defensive Interval	snapshot only																				845.0 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	0.07	0.06	0.02	0.00	-0.03	-0.03	-0.01	0.01	0.02	0.02	0.02	0.02	0.03	0.02	0.02	0.02	0.03	0.05	0.05	0.05	0.047
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	0.09	0.08	0.03	0.00	-0.08	-0.07	-0.01	0.02	0.05	2.95	0.05	4.04	0.04	0.05	0.03	0.06	0.03	0.12	0.12	0.14	0.136
Payables Turnover	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	0.10	0.13	3.95	0.75	0.754
DSO	4006	4381	12295	102604	-4540	-5417	-25562	22507	7354	124	7541	90	9870	7977	13025	6615	10560	2966	2945	2686	2685.6 days
DIO	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	0.0 days
DPO	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3748	2723	92	484	484.3 days
Cash Conversion Cycle	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6811	242	2853	2201	2201.4 days
Cash Velocity	snapshot only																				1.640
Capital Intensity	snapshot only																				22.032

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	4.8%	3.7%	-61.9%	-96.6%	-1.4%	-1.4%	-1.2%	1.3%	1.6%	1.5%	3.9%	1.9%	47.0%	26.0%	14.6%	3.3%	-11.1%	1.7%	1.2%	1.5%	1.46%
Net Income	10.1%	6.5%	-59.5%	-1.1%	-1.7%	-1.8%	-1.8%	1.1%	1.3%	1.2%	2.0%	48.2%	83.2%	39.6%	7.9%	-11.9%	-84.2%	30.9%	-91.0%	-99.4%	-99.37%
EPS	11.3%	6.0%	-55.4%	-1.1%	-1.8%	-1.8%	-1.8%	1.1%	1.3%	1.2%	4.0%	138.9%	4.1%	2.9%	7.0%	-12.3%	-84.2%	30.2%	-91.1%	-99.4%	-99.38%
FCF	24.8%	1.0%	-33.4%	3.8%	-16.2%	-37.3%	-58.7%	-60.6%	-49.0%	-34.5%	9.0%	-1.0%	-4.5%	-3.6%	-17.9%	-40.3%	-1.3%	-2.2%	-1.3%	-2.2%	-2.18%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF Growth	snapshot only																				-2.18%
Asset Growth	snapshot only																				7.95%
Equity Growth	snapshot only																				-7.96%
Debt Growth	snapshot only																				14.59%
Shares Change	snapshot only																				1.47%
Dividend Growth	snapshot only																				13.25%

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	6.5%	10.6%	-21.6%	-60.8%	—	—	—	—	11.8%	-3.4%	-35.4%	-38.8%	-29.3%	-37.5%	-6.8%	90.5%	—	—	—	95.8%	95.79%
Revenue 5Y	—	—	9.1%	-36.8%	—	—	—	-36.7%	-21.9%	-23.5%	-19.4%	-16.7%	-4.2%	-19.4%	14.1%	—	12.8%	25.1%	-7.3%	-10.2%	-10.21%
EPS 3Y	2.2%	10.1%	-9.9%	—	—	—	—	—	46.4%	11.4%	0.9%	-8.4%	9.0%	-7.8%	35.1%	—	—	—	—	-8.7%	-8.73%
EPS 5Y	—	—	4.0%	—	—	—	—	-63.7%	-22.9%	-23.3%	11.0%	17.7%	35.1%	-0.7%	—	—	20.3%	48.0%	-37.2%	-66.6%	-66.56%
Net Income 3Y	11.0%	20.5%	-2.7%	—	—	—	—	—	38.9%	12.4%	-31.5%	-36.0%	-23.8%	-36.0%	-5.0%	—	—	—	—	-35.2%	-35.17%
Net Income 5Y	—	—	8.9%	—	—	—	—	-62.1%	-19.9%	-19.9%	-6.1%	-0.2%	14.4%	-15.7%	—	—	-5.0%	21.0%	-50.0%	-72.9%	-72.95%
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	24.7%	36.9%	7.4%	-44.7%	—	—	—	—	11.8%	-3.4%	-35.4%	-38.8%	-29.3%	-37.5%	-6.8%	90.5%	—	—	—	76.3%	76.32%
Gross Profit 5Y	—	—	16.7%	-34.0%	—	—	—	-30.6%	-14.2%	-13.0%	-2.6%	2.5%	13.9%	-11.1%	—	—	11.6%	23.9%	-12.7%	-15.7%	-15.68%
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	-10.0%	20.4%	1.4%	—	—	71.1%	—	-3.9%	-18.9%	-6.1%	-33.0%	-26.0%	-25.8%	-26.6%	-28.2%	-38.5%	—	—	—	—	—
FCF 5Y	—	—	54.2%	23.1%	5.7%	-7.7%	-18.8%	-19.6%	-20.8%	-6.4%	45.4%	—	—	25.9%	—	-12.1%	—	—	—	—	—
OCF 3Y	-10.0%	20.4%	1.4%	—	—	71.1%	—	-3.9%	-18.9%	-6.1%	-33.0%	-26.0%	-25.8%	-26.6%	-28.2%	-38.5%	—	—	—	—	—
OCF 5Y	—	—	54.2%	23.1%	5.7%	-7.7%	-18.8%	-19.6%	-20.8%	-6.4%	45.4%	—	—	25.9%	—	-12.1%	—	—	—	—	—
Assets 3Y	-14.0%	-17.8%	-19.6%	-20.2%	-21.8%	-20.9%	-9.6%	-9.9%	-10.7%	-9.6%	-9.1%	-6.1%	-5.0%	-5.2%	-4.7%	1.9%	3.4%	5.7%	4.0%	5.9%	5.90%
Assets 5Y	—	—	-5.7%	-7.6%	-8.4%	-8.8%	-7.8%	-10.3%	-12.5%	-14.1%	-15.6%	-13.8%	-13.7%	-13.5%	-7.3%	-4.2%	-3.5%	-2.0%	-0.9%	0.2%	0.23%
Equity 3Y	-0.6%	0.3%	-5.5%	-9.2%	-12.7%	-12.3%	-6.5%	-8.8%	-12.3%	-12.2%	-9.5%	-10.0%	-10.7%	-12.2%	-7.5%	-4.1%	-1.0%	-1.2%	-2.4%	-2.2%	-2.16%
Book Value 3Y	-8.4%	-8.4%	-12.5%	-15.7%	-18.6%	-18.4%	-13.4%	-13.5%	-7.6%	-13.0%	33.4%	28.9%	27.8%	26.4%	31.6%	36.0%	40.2%	39.3%	37.8%	37.7%	37.74%
Dividend 3Y	-12.5%	-10.5%	-6.7%	-3.7%	-4.7%	-7.8%	-10.9%	-11.9%	-5.4%	-12.3%	28.2%	22.5%	31.0%	38.5%	43.8%	50.8%	40.1%	37.9%	37.0%	47.5%	47.46%

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	0.01	0.01	0.07	0.00	0.18	0.31	0.32	0.19	0.26	0.25	0.54	0.33	0.07	0.26	0.03	0.95	0.17	0.27	0.06	0.19	0.191
Earnings Stability	0.02	0.00	0.00	0.03	0.24	0.33	0.27	0.13	0.16	0.21	0.04	0.00	0.00	0.09	0.00	0.00	0.01	0.00	0.29	0.25	0.255
Margin Stability	0.62	0.68	0.27	0.62	0.64	0.76	0.27	0.80	0.79	0.73	0.64	0.67	0.66	0.79	0.29	1.00	0.97	0.98	0.86	0.87	0.873
Rev. Growth Consistency	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	1.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0	0
Earnings Persistence	0.50	0.50	0.50	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.95	0.50	0.88	0.50	0.50	0.500
Earnings Smoothness	0.00	0.00	0.15	—	—	—	—	—	—	—	—	0.00	0.41	0.67	0.92	0.87	0.00	0.73	0.00	0.00	0.000
ROE Trend	0.18	0.12	-0.00	-0.11	-0.34	-0.29	-0.20	-0.10	0.09	0.06	0.07	0.09	0.20	0.14	0.08	0.03	-0.08	0.03	-0.07	-0.08	-0.078
Gross Margin Trend	0.29	0.19	0.52	—	—	—	—	0.00	—	—	—	0.00	—	—	—	0.00	-0.05	-0.05	-0.26	-0.27	-0.270
FCF Margin Trend	-0.22	-0.12	1.91	—	—	—	—	-4.15	—	—	—	-6.41	—	—	—	-1.00	-0.76	-1.28	-0.84	-0.75	-0.754
Sustainable Growth Rate	11.6%	7.9%	-3.8%	—	—	—	—	-11.1%	-3.4%	-4.8%	-0.9%	0.9%	5.3%	-1.9%	-0.6%	-1.6%	-5.7%	0.9%	-7.5%	-10.7%	-10.71%
Internal Growth Rate	2.6%	1.8%	—	—	—	—	—	—	—	—	—	0.2%	1.1%	—	—	—	—	0.2%	—	—	—

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	0.61	0.77	2.13	-6.92	-0.69	-0.63	-1.14	45.97	1.08	1.69	1.21	0.92	0.56	1.17	0.92	0.63	-1.04	-1.08	-2.82	-117.95	-117.946
FCF/OCF	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
FCF/Net Income	snapshot only																				-117.946
OCF/EBITDA	snapshot only																				-0.456
CapEx/Revenue	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%
CapEx/Depreciation	snapshot only																				0.000
Accruals Ratio	0.02	0.01	-0.02	-0.04	-0.07	-0.06	-0.03	-0.01	-0.00	-0.01	-0.00	0.00	0.01	-0.00	0.00	0.01	0.01	0.03	0.01	0.01	0.009
Sloan Accruals	snapshot only																				-0.339
Cash Flow Adequacy	snapshot only																				-0.527
Earnings Quality Score	snapshot only																				0.250

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	8.9%	8.8%	9.4%	11.0%	13.1%	10.7%	9.9%	8.3%	7.3%	5.7%	13.4%	11.4%	12.0%	12.2%	12.7%	12.3%	10.8%	10.9%	11.5%	14.0%	18.57%
Dividend/Share	$1.51	$1.52	$1.61	$1.66	$1.67	$1.56	$1.44	$1.34	$1.23	$1.08	$2.72	$2.38	$2.62	$2.71	$2.79	$2.86	$2.54	$2.52	$2.51	$3.23	$1.72
Payout Ratio	45.3%	55.6%	1.5%	—	—	—	—	70.4%	1.5%	2.0%	1.1%	89.6%	60.6%	1.3%	1.1%	1.2%	3.7%	90.6%	10.9%	223.9%	223.87%
FCF Payout Ratio	74.4%	71.7%	71.4%	75.3%	94.6%	1.1%	1.5%	1.5%	1.3%	1.2%	92.7%	96.9%	1.1%	1.1%	1.2%	2.0%	—	—	—	—	—
Total Payout Ratio	45.6%	55.8%	1.5%	—	—	—	—	77.4%	1.6%	2.2%	1.3%	92.8%	60.6%	1.3%	1.1%	1.2%	3.7%	90.6%	10.9%	223.9%	223.87%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	0
Chowder Number	-0.05	0.03	0.12	0.23	0.20	0.08	-0.01	-0.11	-0.20	-0.25	-0.21	-0.26	-0.11	0.01	0.16	0.33	0.07	0.04	0.03	0.29	0.289
Buyback Yield	0.0%	0.0%	0.0%	1.2%	1.7%	1.4%	1.4%	0.8%	0.9%	0.7%	2.0%	0.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	0.0%	1.2%	1.7%	1.4%	1.4%	0.8%	0.9%	-0.9%	-2.4%	-3.9%	-4.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Shareholder Return	8.9%	8.8%	9.4%	12.2%	14.8%	12.1%	11.4%	9.1%	8.2%	4.8%	10.9%	7.5%	7.9%	12.2%	12.7%	12.3%	10.8%	10.9%	11.5%	14.0%	13.97%

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)	0.99	0.99	1.00	1.01	1.00	1.00	1.00	1.06	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.99	0.96	0.99	1.09	-1.15	-1.151
Interest Burden (EBT/EBIT)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-226.82	-204.91	0.41	0.72	0.06	-0.00	-0.004
EBIT Margin	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	0.38	0.47	0.41	0.40	0.404
Asset Turnover	0.07	0.06	0.02	0.00	-0.03	-0.03	-0.01	0.01	0.02	0.02	0.02	0.02	0.03	0.02	0.02	0.02	0.03	0.05	0.05	0.05	0.047
Equity Multiplier	4.52	4.38	4.63	4.53	4.56	4.50	4.92	4.96	5.16	5.04	5.05	5.10	5.08	5.12	4.87	5.32	5.43	5.67	5.71	6.13	6.132

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)	$3.33	$2.73	$1.05	$-0.32	$-2.56	$-2.21	$-0.82	$0.02	$0.85	$0.54	$2.43	$2.66	$4.31	$2.14	$2.60	$2.33	$0.68	$2.79	$0.23	$0.01	$0.01
Book Value/Share	$16.01	$15.22	$14.08	$12.63	$11.45	$11.50	$11.26	$11.03	$11.00	$11.00	$32.37	$32.10	$33.44	$30.70	$32.09	$31.77	$31.55	$31.10	$29.45	$28.82	$28.82
Tangible Book/Share	$16.01	$15.22	$14.08	$12.63	$11.45	$11.50	$11.26	$11.03	$11.00	$11.00	$32.37	$32.10	$33.44	$30.70	$32.09	$31.77	$31.55	$31.10	$29.45	$28.82	$28.82
Revenue/Share	$4.94	$4.31	$1.61	$0.18	$-2.19	$-1.79	$-0.39	$0.41	$1.26	$0.88	$3.30	$3.48	$5.13	$3.13	$3.75	$3.58	$4.58	$8.41	$8.22	$8.69	$8.07
FCF/Share	$2.03	$2.11	$2.25	$2.20	$1.76	$1.41	$0.94	$0.87	$0.92	$0.92	$2.94	$2.46	$2.43	$2.50	$2.39	$1.46	$-0.71	$-3.01	$-0.65	$-1.70	$-1.70
OCF/Share	$2.03	$2.11	$2.25	$2.20	$1.76	$1.41	$0.94	$0.87	$0.92	$0.92	$2.94	$2.46	$2.43	$2.50	$2.39	$1.46	$-0.71	$-3.01	$-0.65	$-1.70	$-1.70
Cash/Share	$1.37	$1.57	$0.70	$0.67	$0.37	$1.14	$0.99	$0.86	$0.61	$0.95	$2.07	$1.97	$1.19	$1.02	$3.07	$3.03	$6.06	$3.37	$5.69	$5.30	$5.30
EBITDA/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	$1.78	$4.01	$3.53	$3.74	$3.74
Debt/Share	$49.21	$45.12	$48.60	$46.38	$44.24	$45.78	$45.83	$46.20	$45.33	$43.46	$119.85	$120.47	$131.33	$121.72	$126.19	$142.10	$149.97	$158.00	$152.21	$160.48	$160.48
Net Debt/Share	$47.84	$43.54	$47.90	$45.70	$43.87	$44.64	$44.85	$45.34	$44.72	$42.50	$117.79	$118.50	$130.14	$120.70	$123.12	$139.07	$143.92	$154.63	$146.52	$155.18	$155.18

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 Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.616
Altman Z-Prime	snapshot only																				1.350
Piotroski F-Score	6	5	6	3	3	3	3	6	7	6	7	6	7	8	4	2	2	3	2	3	3
Beneish M-Score	-2.59	-0.91	—	—	—	0.48	—	—	—	-1.01	74.29	-2.40	3.81	—	-2.20	166.92	-2.04	—	0.67	-1.42	-1.416
Ohlson O-Score	snapshot only																				-5.237
ROIC (Greenblatt)	snapshot only																				78.14%
Net-Net WC	snapshot only																				$-155.98
EVA	snapshot only																				$-1311726650.00

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																				B
Credit Score	29.15	29.15	29.00	28.55	11.30	17.00	11.30	11.30	29.00	11.30	29.00	17.00	29.00	28.55	29.00	27.65	22.70	7.30	7.30	25.00	25.000
Credit Grade	snapshot only																				15
Credit Trend	snapshot only																				-2.650
Implied Spread (bps)	snapshot only																				750.000

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