— Know what they know.
Not Investment Advice
Also trades as: 0HYE.L (LSE) · $vol 0M

CINF NASDAQ

Cincinnati Financial Corporation
1W: +5.4% 1M: +12.0% 3M: +0.0% YTD: +12.3% 1Y: +15.8% 3Y: +93.4% 5Y: +70.5%
$181.41
+4.10 (+2.31%)
 
Weekly Expected Move ±2.7%
$167 $171 $176 $181 $186
NASDAQ · Financial Services · Insurance - Property & Casualty · Tech Score Buy · Power 73 · $27.8B mcap · 151M float · 0.477% daily turnover · Short 72% of daily vol
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $42.8M held by 59 funds, 72 bp over Treasuries → details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE
48.3 / 100
NoneWeakNarrowWide
Primary source: Efficient Scale  ·  ROIC: 16.9%  ·  5Y Avg: 13.9%
Cost Advantage
45
Intangibles
37
Switching Cost
30
Network Effect
70
Scale ★
80
The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CINF shows a Weak competitive edge (48.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 16.9% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

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
$0
Low
$200
Avg Target
$200
High
Based on 7 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 7Hold: 9Sell: 1Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$200.00
Analysts1
Consensus Change History
DateFieldFromTo
2026-07-30 consensus Buy Hold
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-07-28 Roth Capital — $190 $200 +10 +8.6% $184.23
2026-07-15 Atlantic Equities — Initiated $197 — +11.9% $176.00
2026-07-15 Piper Sandler Paul Newsome $175 $197 +22 +9.4% $180.03
2026-05-26 Piper Sandler Paul Newsome $157 $175 +18 +4.1% $168.10
2026-04-28 Roth Capital — $175 $190 +15 +14.7% $165.64
2025-12-22 Piper Sandler — $126 $157 +31 -6.2% $167.29
2025-10-28 Roth Capital Harry Fong Initiated $175 — +14.5% $152.80
2024-10-29 Piper Sandler Paul Newsome Initiated $126 — -12.8% $144.49
2024-03-25 Capital One Financial Michael Zaremski Initiated $135 — +11.8% $120.75
2024-03-13 CFRA Catherine Seifert Initiated $135 — +13.5% $118.91
2023-02-08 RBC Capital — Initiated $125 — -2.7% $128.50
2022-12-05 MKM Partners — $160 $130 -30 +20.4% $107.94
2022-04-29 MKM Partners — Initiated $160 — +24.9% $128.10

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A
Oct 27, 2026
DCF
5
ROE
5
ROA
5
D/E
4
P/E
3
P/B
1
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. CINF receives an overall rating of A. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5), D/E (4/5). Areas of concern: P/B (1/5).
Rating Change History
DateFromTo
2026-10-27 A+ A
2026-10-12 A A+
2026-10-01 A+ A
2026-07-01 A A+
2026-04-22 A- A
2026-04-01 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.

★ ★ ★ ★ ★ 61 Grade A+
Profitability
57
Balance Sheet
75
Earnings Quality
95
Growth
65
Value
77
Momentum
88
Safety
100
Cash Flow
81
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. CINF scores highest in Safety (100/100) and lowest in Profitability (57/100). An overall grade of A+ places CINF 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-I Score
10.43
Safe Zone
Piotroski F-Score
8/9
✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓
Beneish M-Score
-3.36
Unlikely Manipulator
Ohlson O-Score
-7.92
Bankruptcy prob: 0.0%
Low Risk
Credit Rating
AA+
Score: 93.2/100
Trend: Deteriorating
Earnings Quality
100/100
OCF/NI: 1.16x
Accruals: -1.0%
The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. CINF scores 10.43, placing it in the Safe Zone (safe > 3.0, distress < 1.5). 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. CINF 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. CINF's score of -3.36 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. CINF'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. CINF receives an estimated rating of AA+ (score: 93.2/100), 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). CINF'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
12.90x
PEG
3.30x
P/S
2.10x
P/B
1.75x
P/FCF
8.02x
P/OCF
7.99x
EV/EBITDA
6.94x
EV/Revenue
1.83x
EV/EBIT
7.29x
EV/FCF
7.89x
Earnings Yield
10.78%
FCF Yield
12.48%
Shareholder Yield
2.65%
Graham Number
$200.80
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 12.9x earnings, CINF trades at a reasonable valuation. An earnings yield of 10.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $200.80 per share, suggesting a potential 11% 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
0.808
NI / EBT
×
Interest Burden
0.987
EBT / EBIT
×
EBIT Margin
0.252
EBIT / Rev
×
Asset Turnover
0.319
Rev / Assets
×
Equity Multiplier
2.633
Assets / Equity
=
ROE
16.9%
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. CINF's ROE of 16.9% is driven by Asset Turnover (0.319), 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
$661.28
Price/Value
0.24x
Margin of Safety
75.90%
Premium
-75.90%
Assessment
Undervalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CINF's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CINF actually compounded EPS at 17.2% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. At an intrinsic value of $661.28, CINF appears undervalued with a 76% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 12.9x.

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
$181.41
Median 1Y
$188.63
5th Pctile
$112.84
95th Pctile
$315.20
Ann. Volatility
32.2%
Analyst Target
$200.00
25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

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

C-Suite Compensation

ExecutiveSalaryStockTotal
Steven J. Johnston
Executive Chairman of the Board and former Chief Executive Officer Cincinnati Financial Corporation
$513,750 $804,764 $373,779
Michael J. Sewell
Chief Financial Officer, Executive Vice President and Treasurer Cincinnati Financial Corporation
$1,073,137 $1,146,159 $313,801
Teresa C. Cracas
Chief Risk Officer and Executive Vice President The Cincinnati Insurance Company
$681,352 $728,436 $189,764
John S. Kellington
Chief Information Officer and Executive Vice President The Cincinnati Insurance Company
$748,297 $799,736 $184,490
Stephen M. Spray
President and Chief Executive Officer Cincinnati Financial Corporation
$1,130,250 $1,768,274 $40,027

CEO Pay Ratio

1:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $373,779
Avg Employee Cost (SGA/emp): $589,833
Employees: 5,705

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
5,705
+1.4% YoY
Revenue / Employee
$2,214,023
Rev: $12,631,000,000
Profit / Employee
$419,457
NI: $2,393,000,000
SGA / Employee
$589,833
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability
Metric Trend 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 Q3'26 Current
ROE 24.7% 17.7% 4.8% -0.3% -4.1% 0.0% 12.6% 16.7% 16.3% 20.3% 18.1% 25.1% 17.6% 11.0% 13.4% 14.5% 16.0% 18.7% 21.5% 16.9% 16.87%
ROA 10.0% 7.0% 1.8% -0.1% -1.6% 0.0% 4.5% 5.7% 5.9% 7.4% 6.5% 9.0% 6.6% 4.1% 4.9% 5.5% 6.2% 7.0% 8.1% 6.4% 6.41%
ROIC -18.5% -5.4% -33.8% 4.3% 28.2% 3.0% -78.8% 17.1% -1.1% 19.9% 18.4% 26.2% -86.4% 11.7% 14.0% 15.3% -82.4% 18.0% -20.2% 16.9% 16.92%
ROCE 11.9% 8.6% 2.3% -0.3% -2.2% -0.1% 5.4% 6.9% 7.1% 8.9% 7.9% 10.6% 8.0% 4.9% 5.9% 12.1% 13.6% 15.4% 19.1% 8.0% 8.00%
Gross Margin 71.5% 15.3% -61.2% -0.6% 60.0% 37.6% 48.6% 26.4% 64.1% 54.0% 41.8% 52.5% 47.6% 23.3% 48.9% 58.7% 52.3% 38.8% 55.7% 45.0% 45.03%
Operating Margin 55.6% -28.8% -1.3% -40.9% 41.3% 12.0% 25.6% -8.2% 44.4% 32.5% 15.2% 31.3% 18.9% -5.0% 26.3% 37.9% 27.2% 11.4% 36.9% 18.5% 18.54%
Net Margin 44.2% -21.8% -99.8% -29.5% 32.5% 10.0% 20.5% -5.5% 35.3% 25.7% 12.3% 24.7% 16.0% -3.5% 21.1% 30.1% 21.9% 9.6% 29.4% 15.1% 15.06%
EBITDA Margin 56.7% -24.7% -1.2% -38.2% 43.2% 14.4% 27.4% -6.7% 45.5% 34.1% 17.4% 32.9% 20.0% -2.7% 28.2% 39.2% 29.0% 13.2% 38.2% 19.8% 19.76%
FCF Margin 20.4% 21.0% 25.3% 27.6% 31.0% 27.5% 22.5% 21.4% 20.3% 19.9% 21.6% 21.0% 23.2% 23.6% 22.2% 23.2% 24.6% 26.7% 24.5% 23.2% 23.24%
OCF Margin 20.6% 21.2% 25.5% 27.8% 31.3% 27.7% 22.6% 21.6% 20.5% 20.1% 21.8% 21.3% 23.4% 23.8% 22.3% 23.2% 24.6% 26.8% 24.5% 23.3% 23.32%
ROE 3Y Avg snapshot only 17.49%
ROE 5Y Avg snapshot only 13.58%
ROA 3Y Avg snapshot only 6.59%
ROIC 3Y Avg snapshot only 15.58%
ROIC Economic snapshot only 15.94%
Cash ROA snapshot only 7.26%
Cash ROIC snapshot only 19.58%
CROIC snapshot only 19.52%
NOPAT Margin snapshot only 20.15%
Pretax Margin snapshot only 24.83%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 37.30%
SBC / Revenue snapshot only 0.35%
Valuation
Metric Trend 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 Q3'26 Current
P/E Ratio 5.71 9.66 32.35 -436.13 -30.95 4161.81 10.71 9.12 8.49 7.97 8.40 6.83 9.72 15.78 12.84 11.76 10.77 8.94 8.68 9.28 12.899
P/S Ratio 1.75 2.31 2.44 1.93 2.30 2.19 1.55 1.56 1.56 1.77 1.70 1.73 1.96 2.08 2.00 2.07 2.04 1.91 2.07 1.86 2.103
P/B Ratio 1.28 1.65 1.65 1.39 1.43 1.55 1.32 1.44 1.29 1.49 1.41 1.52 1.60 1.66 1.63 1.62 1.62 1.57 1.73 1.53 1.749
P/FCF 8.55 10.99 9.66 7.00 7.40 7.97 6.89 7.29 7.69 8.86 7.85 8.20 8.48 8.82 9.03 8.90 8.31 7.14 8.45 8.02 8.015
P/OCF 8.49 10.91 9.59 6.94 7.35 7.91 6.84 7.25 7.62 8.77 7.78 8.12 8.41 8.76 8.97 8.89 8.28 7.12 8.45 7.99 7.989
EV/EBITDA 0.93 2.74 6.58 25.64 -5.21 30.07 0.96 6.38 0.74 5.83 5.97 4.65 1.87 10.89 9.03 8.31 2.17 6.65 -0.98 6.94 6.938
EV/Revenue 0.37 0.86 0.74 0.17 0.39 0.52 0.19 1.48 0.18 1.70 1.60 1.55 0.50 1.96 1.89 1.93 0.55 1.88 -0.31 1.83 1.834
EV/EBIT 0.95 2.85 7.79 -14.25 -4.01 -186.16 1.04 6.78 0.78 6.04 6.21 4.82 1.95 11.74 9.60 8.75 2.29 6.96 -1.02 7.29 7.287
EV/FCF 1.80 4.11 2.93 0.62 1.26 1.87 0.84 6.89 0.89 8.53 7.39 7.39 2.16 8.30 8.53 8.34 2.24 7.03 -1.26 7.89 7.891
Earnings Yield 17.5% 10.3% 3.1% -0.2% -3.2% 0.0% 9.3% 11.0% 11.8% 12.6% 11.9% 14.6% 10.3% 6.3% 7.8% 8.5% 9.3% 11.2% 11.5% 10.8% 10.78%
FCF Yield 11.7% 9.1% 10.4% 14.3% 13.5% 12.5% 14.5% 13.7% 13.0% 11.3% 12.7% 12.2% 11.8% 11.3% 11.1% 11.2% 12.0% 14.0% 11.8% 12.5% 12.48%
PEG Ratio snapshot only 3.303
Price/Tangible Book snapshot only 1.528
EV/OCF snapshot only 7.866
EV/Gross Profit snapshot only 3.757
Acquirers Multiple snapshot only 7.359
Shareholder Yield snapshot only 2.65%
Graham Number snapshot only $200.80
Leverage & Solvency
Metric Trend 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 Q3'26 Current
Current Ratio — — — — — — — — — — — — — — — 0.37 1.29 0.29 1.90 1.44 1.444
Quick Ratio — — — — — — — — — — — — — — — 0.37 1.29 0.29 1.90 1.44 1.444
Debt/Equity 0.07 0.07 0.08 0.09 0.08 0.08 0.08 0.08 0.07 0.07 0.07 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.05 0.05 0.053
Net Debt/Equity -1.01 -1.03 -1.15 -1.26 -1.18 -1.19 -1.16 -0.08 -1.14 -0.06 -0.08 -0.15 -1.19 -0.10 -0.09 -0.10 -1.18 -0.02 -1.99 -0.02 -0.024
Debt/Assets 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.020
Debt/EBITDA 0.24 0.33 1.10 19.71 -1.81 6.88 0.47 0.38 0.36 0.28 0.31 0.22 0.29 0.45 0.36 0.31 0.28 0.24 0.20 0.24 0.245
Net Debt/EBITDA -3.48 -4.60 -15.11 -265.11 25.37 -97.98 -6.92 -0.37 -5.66 -0.23 -0.37 -0.51 -5.45 -0.69 -0.53 -0.56 -5.88 -0.10 -7.60 -0.11 -0.109
Interest Coverage 70.25 49.13 12.81 -1.50 -12.09 -0.39 31.44 40.11 43.15 56.87 50.65 72.65 54.92 34.53 43.38 50.42 40.60 46.68 56.24 45.32 45.319
Equity Multiplier 2.40 2.50 2.77 2.99 2.81 2.84 2.84 2.91 2.71 2.67 2.72 2.68 2.62 2.72 2.72 2.63 2.58 2.62 2.58 2.63 2.633
Cash Ratio snapshot only 1.444
Debt Service Coverage snapshot only 47.598
Cash to Debt snapshot only 1.444
FCF to Debt snapshot only 3.594
Defensive Interval snapshot only 142.3 days
Efficiency & Turnover
Metric Trend 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 Q3'26 Current
Asset Turnover 0.33 0.29 0.24 0.23 0.21 0.25 0.31 0.33 0.32 0.33 0.32 0.36 0.33 0.31 0.32 0.31 0.33 0.33 0.34 0.32 0.319
Inventory Turnover — — — — — — — — — — — — — — — — — 1284.60 — — —
Receivables Turnover 3.84 3.21 2.49 2.41 2.34 2.52 2.90 3.09 3.21 3.23 3.01 3.52 3.37 2.97 2.99 3.20 3.46 3.54 3.50 6.66 6.658
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 95 114 146 151 156 145 126 118 114 113 121 104 108 123 122 114 105 103 104 55 54.8 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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 —
Cash Conversion Cycle 95 114 146 151 156 145 126 118 114 113 121 104 108 123 122 114 105 103 104 55 —
Cash Velocity snapshot only 10.709
Capital Intensity snapshot only 3.211
Growth (YoY)
Metric Trend 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 Q3'26 Current
Revenue 27.8% -12.6% -24.3% -24.8% -31.9% -12.0% 31.1% 44.3% 52.6% 41.2% 13.6% 24.4% 13.2% 2.4% 9.6% -0.6% 11.4% 17.8% 19.5% 9.9% 9.86%
Net Income 1.4% -32.7% -81.1% -1.0% -1.2% -99.8% 1.5% 56.8% 4.8% 592.2% 58.6% 83.5% 24.4% -39.0% -15.4% -30.9% 4.4% 90.5% 82.8% 25.5% 25.54%
EPS 1.4% -31.8% -80.7% -1.0% -1.2% -99.8% 1.5% 57.2% 4.8% 594.5% 59.1% 82.6% 24.4% -38.4% -15.5% -30.9% 4.4% 90.3% 85.0% 27.7% 27.73%
FCF 33.7% 9.3% 1.7% -0.3% 3.6% 15.4% 16.7% 12.0% -0.1% 2.2% 9.2% 22.2% 29.2% 21.3% 12.5% 9.6% 18.1% 33.3% 31.9% 10.0% 10.02%
EBITDA 1.3% -31.9% -78.3% -98.6% -1.1% -95.2% 1.3% 49.2% 6.0% 23.0% 54.7% 79.7% 24.5% -36.8% -14.1% -30.7% 5.3% 84.9% 78.5% 24.7% 24.71%
Op. Income 1.4% -33.6% -82.5% -1.0% -1.2% -1.0% 1.6% 16.4% 4.3% 40.5% 63.1% 86.6% 25.6% -40.0% -16.2% -32.3% 4.3% 93.2% 85.0% 26.3% 26.27%
OCF Growth snapshot only 10.22%
Asset Growth snapshot only 5.04%
Equity Growth snapshot only 5.04%
Debt Growth snapshot only -2.83%
Shares Change snapshot only -1.71%
Dividend Growth snapshot only 8.43%
Growth (CAGR)
Metric Trend 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 Q3'26 Current
Revenue 3Y 21.2% 10.8% 2.2% 1.5% -6.1% 10.2% 13.2% 11.8% 9.9% 2.8% 4.1% 10.5% 5.6% 8.4% 17.8% 21.3% 24.4% 19.4% 14.2% 10.7% 10.74%
Revenue 5Y 12.1% 9.0% 4.9% 3.7% 2.7% 6.9% 10.8% 9.9% 13.1% 11.0% 9.7% 13.4% 7.4% 14.1% 12.5% 11.5% 10.9% 5.6% 8.1% 8.1% 8.07%
EPS 3Y 1.2% 27.8% -23.0% — — -62.2% 35.5% 29.6% 15.9% -7.3% -8.0% 7.9% -7.1% -10.4% 50.6% — — 7.9% 35.5% 17.2% 17.22%
EPS 5Y 38.6% 28.8% -0.7% — — -65.2% 8.7% 4.8% 46.0% 19.5% 13.0% 28.5% 3.8% 81.6% 27.3% 22.4% 15.1% -1.3% 4.0% 2.1% 2.07%
Net Income 3Y 1.2% 26.7% -23.9% — — -62.5% 34.5% 28.3% 14.9% -8.1% -9.0% 6.7% -8.0% -11.1% 50.0% — — 7.8% 34.9% 16.8% 16.77%
Net Income 5Y 37.9% 27.8% -1.5% — — -65.5% 7.8% 3.9% 45.1% 18.6% 11.9% 27.3% 2.8% 80.3% 26.7% 21.8% 14.5% -2.1% 3.1% 1.1% 1.08%
EBITDA 3Y 1.2% 28.3% -19.7% -66.8% — -6.1% 33.4% 27.2% 14.3% -7.8% -8.4% 7.4% -7.3% -10.1% 44.9% 3.0% — 2.0% 33.3% 15.8% 15.78%
EBITDA 5Y 33.1% 24.0% -2.0% -43.3% — -24.1% 23.0% 14.5% 46.1% 19.4% 12.9% 26.9% 3.2% 65.9% 25.8% 20.7% 14.4% -1.7% 3.3% 1.3% 1.35%
Gross Profit 3Y 43.7% 17.8% -4.1% -10.7% -28.8% 5.3% 16.1% 16.0% 11.7% -1.5% -1.2% 8.6% -0.6% -0.3% 22.8% 39.6% 57.1% 43.5% 22.5% 13.3% 13.29%
Gross Profit 5Y 12.6% 7.9% -2.6% -7.6% -8.0% 1.5% 12.7% 10.7% 19.8% 14.0% 10.9% 17.8% 5.5% 19.6% 15.2% 14.4% 12.0% 2.6% 5.9% 4.9% 4.86%
Op. Income 3Y 1.4% 29.7% -24.1% — — — 36.7% 29.1% 14.9% -8.3% -9.1% 7.2% -8.0% -11.4% 53.1% — — — 36.2% 16.8% 16.85%
Op. Income 5Y 39.9% 29.7% -1.0% — — — 24.9% 15.0% 55.4% 20.4% 13.3% 28.4% 2.9% 1.3% 28.4% 22.1% 14.7% -2.2% 3.1% 1.0% 1.04%
FCF 3Y 19.2% 14.5% 15.6% 15.7% 19.8% 21.9% 16.7% 13.6% 11.4% 8.8% 9.0% 10.9% 10.1% 12.6% 12.8% 14.5% 15.0% 18.2% 17.5% 13.8% 13.79%
FCF 5Y 12.5% 13.3% 11.6% 13.2% 14.5% 14.7% 14.8% 13.4% 11.9% 12.1% 14.5% 16.2% 17.3% 17.6% 14.3% 14.4% 16.1% 15.8% 14.0% 10.5% 10.48%
OCF 3Y 18.8% 14.1% 15.1% 15.1% 19.3% 21.4% 16.4% 13.3% 11.2% 8.7% 9.0% 11.0% 10.2% 12.6% 12.7% 14.2% 14.9% 18.0% 17.2% 13.7% 13.68%
OCF 5Y 12.4% 13.1% 11.4% 12.9% 14.3% 14.5% 14.7% 13.2% 11.7% 11.9% 14.2% 15.9% 17.0% 17.3% 14.1% 14.2% 15.9% 15.6% 13.8% 10.4% 10.36%
Assets 3Y 12.7% 9.0% 6.3% 4.5% 5.4% 9.3% 7.2% 5.4% 6.0% 6.0% 5.5% 7.4% 5.2% 7.2% 10.0% 12.9% 11.3% 10.6% 11.2% 11.3% 11.29%
Assets 5Y 9.0% 7.8% 6.6% 5.5% 6.4% 7.3% 7.6% 6.6% 8.4% 7.6% 7.4% 8.4% 7.5% 9.8% 8.8% 9.0% 8.3% 7.8% 7.7% 7.3% 7.34%
Equity 3Y 18.7% 11.9% 4.9% 0.2% 2.3% 10.1% 6.0% 2.9% 3.9% 4.3% 2.5% 5.2% 2.1% 4.3% 10.7% 17.8% 14.6% 13.5% 14.8% 15.1% 15.06%
Book Value 3Y 18.8% 12.9% 6.2% 1.8% 3.8% 11.0% 6.8% 4.0% 4.8% 5.3% 3.7% 6.4% 3.1% 5.2% 11.1% 17.8% 14.7% 14.0% 15.3% 15.5% 15.50%
Dividend 3Y 1.8% 2.5% 3.1% 3.8% 3.8% 3.3% 3.1% 3.4% 3.3% 3.6% 3.7% 3.7% 3.6% 3.3% 2.8% 2.5% 2.4% 2.6% 2.8% 2.5% 2.54%
Growth Quality
Metric Trend 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 Q3'26 Current
Revenue Stability 0.79 0.57 0.43 0.41 0.20 0.40 0.59 0.52 0.49 0.42 0.58 0.65 0.34 0.85 0.93 0.81 0.76 0.46 0.78 0.90 0.904
Earnings Stability 0.59 0.41 0.09 0.00 0.00 0.01 0.02 0.00 0.01 0.06 0.08 0.25 0.00 0.01 0.09 0.22 0.08 0.00 0.14 0.17 0.171
Margin Stability 0.80 0.79 0.81 0.76 0.69 0.70 0.81 0.78 0.68 0.76 0.84 0.78 0.71 0.74 0.90 0.80 0.75 0.76 0.87 0.90 0.903
Rev. Growth Consistency 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 0.50 0.500
Earn. Growth Consistency 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 0.00 0.00 0.00 1.00 0.50 0.50 0.50 0.500
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.50 0.87 0.50 0.20 0.20 0.50 0.50 0.20 0.20 0.50 0.50 0.50 0.50 0.84 0.94 0.88 0.98 0.50 0.50 0.90 0.898
Earnings Smoothness 0.17 0.61 0.00 — — 0.00 0.14 — — 0.00 0.55 0.41 0.78 0.52 0.83 0.63 0.96 0.38 0.41 0.77 0.774
ROE Trend 0.07 0.03 -0.10 -0.15 -0.21 -0.22 -0.02 0.05 0.06 0.10 0.08 0.15 0.11 0.01 -0.02 -0.05 -0.01 0.03 0.05 -0.02 -0.015
Gross Margin Trend 0.10 0.08 -0.10 -0.18 -0.29 -0.27 -0.06 0.02 0.06 0.10 0.09 0.16 0.14 0.02 -0.02 -0.04 -0.01 0.04 0.05 -0.01 -0.012
FCF Margin Trend 0.03 0.02 0.06 0.07 0.11 0.09 0.00 -0.03 -0.05 -0.04 -0.02 -0.03 -0.03 -0.00 0.00 0.02 0.03 0.05 0.03 0.01 0.011
Sustainable Growth Rate 21.4% 14.3% 1.2% — — -3.7% 8.5% 12.2% 12.3% 16.3% 14.1% 21.2% 13.8% 7.2% 9.7% 11.0% 12.5% 15.1% 18.0% 13.4% 13.38%
Internal Growth Rate 9.5% 6.0% 0.4% — — — 3.1% 4.3% 4.7% 6.3% 5.3% 8.3% 5.5% 2.7% 3.7% 4.3% 5.1% 6.0% 7.3% 5.4% 5.35%
Cash Flow Quality
Metric Trend 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 Q3'26 Current
OCF/Net Income 0.67 0.89 3.37 -62.80 -4.21 526.00 1.56 1.26 1.11 0.91 1.08 0.84 1.16 1.80 1.43 1.32 1.30 1.25 1.03 1.16 1.161
FCF/OCF 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 1.00 1.00 1.00 1.00 1.00 0.997
FCF/Net Income snapshot only 1.158
OCF/EBITDA snapshot only 0.882
CapEx/Revenue 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.1% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.1% 0.0% 0.1% 0.1% 0.0% 0.1% 0.08%
CapEx/Depreciation snapshot only 0.062
Accruals Ratio 0.03 0.01 -0.04 -0.07 -0.08 -0.07 -0.03 -0.01 -0.01 0.01 -0.01 0.01 -0.01 -0.03 -0.02 -0.02 -0.02 -0.02 -0.00 -0.01 -0.010
Sloan Accruals snapshot only 0.284
Cash Flow Adequacy snapshot only 5.515
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 Q3'26 Current
Dividend Yield 2.3% 2.0% 2.3% 3.2% 2.8% 2.6% 3.0% 2.9% 2.9% 2.5% 2.6% 2.3% 2.2% 2.2% 2.2% 2.1% 2.0% 2.2% 1.9% 2.2% 2.03%
Dividend/Share $2.43 $2.49 $2.56 $2.63 $2.67 $2.71 $2.77 $2.84 $2.88 $2.94 $3.00 $3.05 $3.11 $3.19 $3.21 $3.28 $3.33 $3.40 $3.48 $3.55 $3.69
Payout Ratio 13.4% 19.4% 75.7% — — 107.5% 32.3% 26.6% 24.6% 19.6% 21.9% 15.7% 21.4% 34.5% 27.9% 24.4% 21.9% 19.3% 16.3% 20.7% 20.68%
FCF Payout Ratio 20.1% 22.0% 22.6% 22.3% 20.8% 20.6% 20.8% 21.3% 22.3% 21.7% 20.5% 18.8% 18.7% 19.3% 19.6% 18.4% 16.9% 15.5% 15.9% 17.9% 17.87%
Total Payout Ratio 18.3% 27.2% 1.3% — — 205.0% 52.9% 31.3% 28.3% 24.5% 27.6% 19.6% 26.9% 40.9% 30.4% 24.6% 26.2% 28.0% 30.0% 24.5% 24.55%
Div. Increase Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Chowder Number 0.08 0.07 0.08 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.09 0.09 0.09 0.09 0.088
Buyback Yield 0.9% 0.8% 1.8% 3.8% 2.7% 2.3% 1.9% 0.5% 0.4% 0.6% 0.7% 0.6% 0.6% 0.4% 0.2% 0.0% 0.4% 1.0% 1.6% 0.4% 0.42%
Net Buyback Yield 0.8% 0.8% 1.8% 3.8% 2.7% 2.3% 1.9% 0.5% 0.4% 0.6% 0.7% 0.6% 0.6% 0.4% 0.2% 0.0% 0.4% 1.0% 1.6% 0.4% 0.41%
Total Shareholder Return 3.2% 2.8% 4.1% 7.0% 5.5% 4.9% 4.9% 3.4% 3.3% 3.1% 3.3% 2.8% 2.8% 2.6% 2.3% 2.1% 2.4% 3.1% 3.4% 2.6% 2.64%
DuPont Factors
Metric Trend 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 Q3'26 Current
Tax Burden (NI/EBT) 0.80 0.81 0.86 0.22 0.70 -0.05 0.82 0.81 0.81 0.80 0.80 0.79 0.80 0.81 0.81 0.81 0.80 0.80 0.80 0.81 0.808
Interest Burden (EBT/EBIT) 0.99 0.98 0.92 1.67 1.08 3.57 0.97 0.98 0.98 0.98 0.98 0.99 0.98 0.97 0.98 0.98 0.98 0.98 0.99 0.99 0.987
EBIT Margin 0.39 0.30 0.10 -0.01 -0.10 -0.00 0.18 0.22 0.23 0.28 0.26 0.32 0.26 0.17 0.20 0.22 0.24 0.27 0.30 0.25 0.252
Asset Turnover 0.33 0.29 0.24 0.23 0.21 0.25 0.31 0.33 0.32 0.33 0.32 0.36 0.33 0.31 0.32 0.31 0.33 0.33 0.34 0.32 0.319
Equity Multiplier 2.47 2.52 2.63 2.73 2.58 2.66 2.81 2.95 2.76 2.74 2.78 2.78 2.66 2.69 2.72 2.66 2.60 2.67 2.64 2.63 2.633
Per Share
Metric Trend 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 Q3'26 Current
EPS (Diluted TTM) $18.13 $12.84 $3.38 $-0.19 $-3.08 $0.03 $8.58 $10.66 $11.68 $15.03 $13.66 $19.47 $14.53 $9.25 $11.53 $13.45 $15.17 $17.61 $21.34 $17.18 $17.18
Book Value/Share $80.65 $75.39 $66.12 $59.69 $66.76 $67.77 $69.81 $67.71 $76.67 $80.14 $81.12 $87.53 $88.36 $87.71 $90.63 $97.63 $100.86 $100.36 $106.93 $104.33 $104.01
Tangible Book/Share $80.65 $75.39 $66.12 $59.69 $66.76 $67.77 $69.81 $67.71 $76.67 $80.14 $81.12 $87.53 $88.36 $87.71 $90.63 $89.01 $92.34 $91.52 $106.93 $104.33 $104.33
Revenue/Share $59.26 $53.75 $44.77 $42.85 $41.48 $47.85 $59.30 $62.28 $63.45 $67.81 $67.59 $77.08 $71.89 $70.13 $73.97 $76.54 $80.03 $82.53 $89.47 $85.55 $85.33
FCF/Share $12.10 $11.29 $11.31 $11.83 $12.88 $13.18 $13.34 $13.34 $12.89 $13.51 $14.60 $16.22 $16.66 $16.55 $16.40 $17.76 $19.66 $22.03 $21.90 $19.88 $19.82
OCF/Share $12.19 $11.38 $11.40 $11.92 $12.97 $13.27 $13.43 $13.42 $13.00 $13.65 $14.74 $16.39 $16.80 $16.66 $16.51 $17.79 $19.73 $22.09 $21.92 $19.95 $19.89
Cash/Share $87.14 $83.31 $81.65 $81.12 $84.68 $86.01 $86.19 $10.92 $93.14 $10.02 $12.33 $18.68 $110.74 $14.27 $13.80 $15.60 $124.90 $8.04 $218.28 $7.99 $7.96
EBITDA/Share $23.48 $16.90 $5.04 $0.28 $-3.12 $0.82 $11.66 $14.40 $15.48 $19.76 $18.09 $25.76 $19.28 $12.62 $15.50 $17.83 $20.29 $23.30 $28.00 $22.62 $22.62
Debt/Share $5.52 $5.55 $5.55 $5.61 $5.63 $5.65 $5.49 $5.54 $5.54 $5.53 $5.55 $5.54 $5.55 $5.61 $5.60 $5.60 $5.62 $5.65 $5.62 $5.53 $5.53
Net Debt/Share $-81.62 $-77.76 $-76.10 $-75.51 $-79.05 $-80.37 $-80.70 $-5.38 $-87.60 $-4.49 $-6.78 $-13.14 $-105.19 $-8.66 $-8.19 $-10.00 $-119.28 $-2.40 $-212.66 $-2.46 $-2.46
Academic Models
Metric Trend 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 Q3'26 Current
Altman-I Score — — — — — — — — — — — — — — — — — — — — 10.431
Altman Z-Prime snapshot only 2.965
Piotroski F-Score 6 4 5 3 3 6 8 8 8 7 7 6 7 5 6 5 6 7 8 8 8
Beneish M-Score -2.23 -0.54 -2.41 -40.34 -2.66 -2.72 -2.41 -2.91 -2.43 -2.47 -2.32 -2.27 -2.13 -1.71 -2.47 -2.54 -2.71 -2.95 -2.85 -3.36 -3.362
Ohlson O-Score snapshot only -7.923
ROIC (Greenblatt) snapshot only 8.77%
Net-Net WC snapshot only $-162.41
EVA snapshot only $1093601972.69
Credit
Metric Trend 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 Q3'26 Current
Credit Rating snapshot only AA+
Credit Score 95.57 95.58 89.16 54.43 64.62 55.42 96.30 96.06 96.18 96.15 95.60 95.78 95.99 96.06 95.71 94.64 94.54 94.60 94.43 93.19 93.194
Credit Grade snapshot only 2
Credit Trend snapshot only -1.451
Implied Spread (bps) snapshot only 65.000
Industry Credit Rank snapshot only 76
Sector Credit Rank snapshot only 93

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