Also trades as: CRD-B (NYSE) · $vol 0M

$10.37

-0.03 (-0.29%)

Weekly Expected Move ±4.8%

$9 $10 $10 $10 $11

NYSE · Financial Services · Insurance - Brokers · Alpha Radar Neutral · Power 49 · $510.5M mcap · 22M float · 0.248% daily turnover

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.

NO EDGE

35.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.5% · 5Y Avg: 5.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

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. CRD-A has No discernible competitive edge (35.3/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 9.5% suggests modest returns relative to capital deployed.

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: 3Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2022-11-16	Barrington	—	Initiated	$10	—	+55.8%	$6.42

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.

B-

May 22, 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. CRD-A receives an overall rating of B-. Strongest factors: DCF (4/5), ROA (4/5). Areas of concern: D/E (1/5), P/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-05-06	C-	B-
2026-05-05	B	C-
2026-04-01	B-	B
2026-03-04	B	B-
2026-01-26	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.

★ ★ ★ ★ ★ 41 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CRD-A scores highest in Safety (100/100) and lowest in Growth (18/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

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

Altman-I Score

6.64

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✗ ✗

Beneish M-Score

-3.27

Unlikely Manipulator

Ohlson O-Score

-5.26

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

A-

Score: 69.2/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 6.55x

Accruals: -12.6%

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. CRD-A scores 6.64, 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. CRD-A scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. 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. CRD-A's score of -3.27 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. CRD-A'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. CRD-A receives an estimated rating of A- (score: 69.2/100), 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). CRD-A's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

28.31x

PEG

-0.68x

P/S

0.39x

P/B

2.87x

P/FCF

4.78x

P/OCF

4.21x

EV/EBITDA

7.90x

EV/Revenue

0.54x

EV/EBIT

14.41x

EV/FCF

6.77x

Earnings Yield

3.63%

FCF Yield

20.94%

Shareholder Yield

6.21%

Graham Number

$5.34

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 28.3x earnings, CRD-A commands a growth premium. Graham's intrinsic value formula yields $5.34 per share, 94% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.547

NI / EBT

Interest Burden

0.674

EBT / EBIT

EBIT Margin

0.037

EBIT / Rev

Asset Turnover

1.656

Rev / Assets

Equity Multiplier

4.747

Assets / Equity

ROE

10.8%

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. CRD-A's ROE of 10.8% is driven by financial leverage (equity multiplier: 4.75x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.55 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.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$3.07

Price/Value

3.25x

Margin of Safety

-224.53%

Premium

224.53%

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 CRD-A's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. CRD-A trades at a 225% premium to its adjusted intrinsic value of $3.07, 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 28.3x.

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

$10.42

Median 1Y

$9.85

5th Pctile

$4.80

95th Pctile

$20.11

Ann. Volatility

44.0%

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
D.A. Isaac Executive Vice President; Chief Executive Officer — The Garden City Group, Inc	$647,500	$523,620	$6,783,657
J.T. Bowman President and Chief Executive Officer	$730,000	$214,167	$1,566,567
I.V. Muress Executive Vice President; Chief Executive Officer — EMEA/A-P	$617,035	$59,400	$1,046,356
A.W. Nelson Executive Vice President — General Counsel; Corporate Secretary and Chief Administrative Officer	$425,000	$89,100	$744,781
W.B. Swain Executive Vice President — Chief Financial Officer	$400,000	$89,100	$733,564

CEO Pay Ratio

229:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $6,783,657

Avg Employee Cost (SGA/emp): $29,585

Employees: 9,943

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

9,943

-1.0% YoY

Revenue / Employee

$131,834

Rev: $1,310,827,000

Profit / Employee

$1,975

NI: $19,634,000

SGA / Employee

$29,585

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	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	29.8%	22.2%	15.4%	14.9%	11.9%	-1.3%	-10.9%	-7.6%	-6.0%	10.3%	23.0%	17.1%	17.2%	15.1%	17.8%	20.4%	19.8%	21.8%	11.9%	10.8%	10.81%
ROA	6.8%	5.1%	3.8%	3.7%	3.0%	-0.3%	-2.2%	-1.5%	-1.2%	2.1%	3.8%	2.9%	2.9%	2.5%	3.3%	3.8%	3.7%	4.1%	2.5%	2.3%	2.28%
ROIC	12.3%	11.3%	7.3%	7.1%	5.9%	6.1%	-43.7%	-14.6%	-9.7%	5.2%	11.0%	8.9%	9.0%	8.3%	11.0%	12.1%	11.7%	12.4%	10.3%	9.5%	9.53%
ROCE	15.4%	11.4%	9.3%	9.1%	8.0%	0.1%	9.9%	12.1%	13.5%	23.2%	13.3%	10.8%	10.9%	10.1%	12.2%	13.1%	13.2%	13.5%	11.2%	10.7%	10.66%
Gross Margin	26.9%	26.0%	23.8%	25.5%	24.8%	24.0%	25.2%	27.2%	26.8%	29.3%	28.3%	27.9%	28.1%	27.3%	26.5%	27.9%	29.4%	29.1%	22.6%	24.2%	24.15%
Operating Margin	5.7%	5.6%	1.8%	3.0%	3.2%	3.5%	6.4%	6.9%	5.3%	6.9%	1.3%	3.2%	5.3%	5.7%	6.6%	4.8%	5.2%	6.8%	4.3%	4.0%	3.97%
Net Margin	4.3%	3.8%	0.5%	1.8%	1.9%	-4.9%	-4.2%	3.3%	2.5%	3.6%	-0.3%	0.9%	2.6%	2.8%	1.6%	2.1%	2.3%	3.9%	-2.3%	1.5%	1.53%
EBITDA Margin	9.9%	9.2%	5.2%	6.3%	6.6%	-5.4%	19.5%	9.1%	8.0%	9.7%	3.8%	5.6%	8.2%	8.5%	6.7%	7.1%	8.4%	10.0%	2.5%	6.3%	6.32%
FCF Margin	5.7%	2.0%	2.1%	0.3%	-0.3%	-1.4%	-0.6%	0.5%	2.4%	5.6%	5.1%	3.6%	3.1%	2.1%	2.1%	2.6%	4.2%	5.1%	6.5%	7.9%	7.94%
OCF Margin	8.6%	5.1%	4.8%	3.2%	2.6%	1.5%	2.2%	3.3%	5.2%	8.3%	7.8%	6.4%	5.2%	3.6%	3.8%	4.3%	6.0%	6.9%	7.7%	9.0%	9.01%
ROE 3Y Avg	snapshot only																				15.25%
ROE 5Y Avg	snapshot only																				9.91%
ROA 3Y Avg	snapshot only																				2.99%
ROIC 3Y Avg	snapshot only																				5.86%
ROIC Economic	snapshot only																				8.66%
Cash ROA	snapshot only																				15.31%
Cash ROIC	snapshot only																				30.85%
CROIC	snapshot only																				27.19%
NOPAT Margin	snapshot only																				2.78%
Pretax Margin	snapshot only																				2.52%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				6.22%
SBC / Revenue	snapshot only																				0.10%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	8.40	11.21	11.49	11.87	14.57	-98.69	-13.59	-29.66	-50.83	25.32	19.96	19.67	17.94	26.23	21.11	18.33	17.58	16.33	28.69	27.58	28.312
P/S Ratio	0.41	0.39	0.31	0.30	0.29	0.21	0.20	0.30	0.39	0.33	0.46	0.34	0.32	0.40	0.42	0.41	0.38	0.40	0.43	0.38	0.393
P/B Ratio	2.32	2.31	1.66	1.66	1.63	1.19	2.00	3.03	4.13	3.53	4.31	3.16	2.90	3.72	3.57	3.55	3.31	3.39	3.25	2.85	2.868
P/FCF	7.19	20.01	15.10	90.58	-101.94	-14.75	-35.71	55.34	16.76	5.89	9.09	9.54	10.21	19.57	19.76	16.16	9.23	7.83	6.67	4.78	4.775
P/OCF	4.73	7.71	6.49	9.41	11.16	14.00	9.00	8.89	7.62	3.92	5.89	5.30	6.01	11.24	10.88	9.70	6.44	5.77	5.64	4.21	4.209
EV/EBITDA	5.22	6.32	6.46	6.63	7.15	13.06	6.33	6.90	7.75	4.77	8.45	7.78	7.38	9.10	8.35	7.90	7.45	7.34	8.46	7.90	7.899
EV/Revenue	0.59	0.57	0.52	0.50	0.49	0.41	0.45	0.53	0.62	0.55	0.65	0.53	0.51	0.60	0.61	0.60	0.57	0.59	0.59	0.54	0.538
EV/EBIT	7.98	10.74	11.56	11.79	13.32	802.26	10.85	10.90	11.76	6.22	12.99	12.95	12.22	15.48	13.28	12.25	11.65	11.52	15.10	14.41	14.414
EV/FCF	10.42	29.06	25.17	151.04	-171.22	-28.47	-78.84	99.40	26.55	9.92	12.86	14.94	16.49	28.98	28.70	23.52	13.73	11.57	9.11	6.77	6.775
Earnings Yield	11.9%	8.9%	8.7%	8.4%	6.9%	-1.0%	-7.4%	-3.4%	-2.0%	3.9%	5.0%	5.1%	5.6%	3.8%	4.7%	5.5%	5.7%	6.1%	3.5%	3.6%	3.63%
FCF Yield	13.9%	5.0%	6.6%	1.1%	-1.0%	-6.8%	-2.8%	1.8%	6.0%	17.0%	11.0%	10.5%	9.8%	5.1%	5.1%	6.2%	10.8%	12.8%	15.0%	20.9%	20.94%
Price/Tangible Book	snapshot only																				16.324
EV/OCF	snapshot only																				5.971
EV/Gross Profit	snapshot only																				2.042
Acquirers Multiple	snapshot only																				10.564
Shareholder Yield	snapshot only																				6.21%
Graham Number	snapshot only																				$5.34

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	1.24	1.24	1.14	1.14	1.14	1.14	1.26	1.26	1.26	1.26	1.23	1.23	1.23	1.23	1.25	1.25	1.25	1.25	1.14	1.14	1.138
Quick Ratio	1.24	1.24	1.14	1.14	1.14	1.14	1.26	1.26	1.26	1.26	1.23	1.23	1.23	1.23	1.25	1.25	1.25	1.25	1.14	1.14	1.138
Debt/Equity	1.28	1.28	1.36	1.36	1.36	1.36	2.78	2.78	2.78	2.78	2.20	2.20	2.20	2.20	1.97	1.97	1.97	1.97	1.56	1.56	1.561
Net Debt/Equity	1.04	1.04	1.11	1.11	1.11	1.11	2.41	2.41	2.41	2.41	1.79	1.79	1.79	1.79	1.62	1.62	1.62	1.62	1.19	1.19	1.191
Debt/Assets	0.32	0.32	0.34	0.34	0.34	0.34	0.44	0.44	0.44	0.44	0.39	0.39	0.39	0.39	0.39	0.39	0.39	0.39	0.35	0.35	0.354
Debt/EBITDA	1.99	2.42	3.17	3.26	3.55	7.72	4.00	3.53	3.29	2.23	3.05	3.46	3.46	3.64	3.17	3.01	2.98	2.89	2.97	3.06	3.055
Net Debt/EBITDA	1.62	1.97	2.59	2.66	2.89	6.30	3.46	3.06	2.86	1.94	2.48	2.81	2.81	2.95	2.60	2.47	2.44	2.37	2.27	2.33	2.331
Interest Coverage	11.90	8.87	7.25	7.19	5.80	0.07	7.50	6.29	5.74	8.34	3.47	2.85	2.75	2.52	3.02	3.35	3.44	3.88	3.12	3.07	3.067
Equity Multiplier	4.03	4.03	4.02	4.02	4.02	4.02	6.36	6.36	6.36	6.36	5.64	5.64	5.64	5.64	5.11	5.11	5.11	5.11	4.42	4.42	4.416
Cash Ratio	snapshot only																				0.207
Debt Service Coverage	snapshot only																				5.596
Cash to Debt	snapshot only																				0.237
FCF to Debt	snapshot only																				0.382
Defensive Interval	snapshot only																				237.7 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	1.41	1.46	1.42	1.45	1.48	1.50	1.50	1.55	1.59	1.63	1.67	1.65	1.64	1.64	1.67	1.69	1.70	1.67	1.66	1.66	1.656
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	8.48	8.77	8.85	9.05	9.26	9.33	8.94	9.23	9.47	9.73	9.75	9.64	9.56	9.57	9.81	9.88	9.94	9.79	10.10	10.08	10.077
Payables Turnover	20.43	21.34	18.83	19.28	19.86	20.14	18.62	19.11	19.49	19.68	19.96	19.70	19.44	19.59	20.34	20.50	20.53	20.09	20.94	21.17	21.167
DSO	43	42	41	40	39	39	41	40	39	37	37	38	38	38	37	37	37	37	36	36	36.2 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	18	17	19	19	18	18	20	19	19	19	18	19	19	19	18	18	18	18	17	17	17.2 days
Cash Conversion Cycle	25	25	22	21	21	21	21	20	20	19	19	19	19	20	19	19	19	19	19	19	19.0 days
Cash Velocity	snapshot only																				20.266
Capital Intensity	snapshot only																				0.589

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	5.3%	9.3%	12.1%	12.8%	11.8%	9.0%	8.1%	9.1%	9.5%	11.7%	7.9%	3.3%	-0.2%	-2.8%	0.9%	2.8%	4.3%	2.7%	-3.0%	-3.9%	-3.90%
Net Income	30.2%	2.3%	8.5%	-35.0%	-54.0%	-1.1%	-1.6%	-1.4%	-1.4%	7.8%	2.7%	2.8%	3.3%	15.7%	-13.1%	33.7%	29.3%	62.5%	-26.2%	-41.3%	-41.35%
EPS	29.6%	2.3%	9.7%	-33.0%	-49.0%	-1.1%	-1.6%	-1.5%	-1.4%	7.6%	2.7%	2.7%	3.3%	16.5%	-14.8%	33.6%	28.2%	60.8%	-26.5%	-40.8%	-40.81%
FCF	17.9%	-65.4%	-60.9%	-94.6%	-1.1%	-1.8%	-1.3%	75.1%	10.0%	5.3%	10.6%	5.9%	31.3%	-63.9%	-57.7%	-26.4%	40.1%	1.5%	2.0%	2.0%	1.99%
EBITDA	1.4%	41.0%	4.2%	-24.4%	-32.4%	-62.2%	-4.8%	10.8%	29.3%	3.1%	17.9%	-8.2%	-14.4%	-44.7%	-4.5%	14.0%	15.6%	24.9%	-6.8%	-13.9%	-13.95%
Op. Income	19.1%	0.8%	-21.6%	-28.8%	-38.1%	-40.7%	7.8%	39.5%	79.5%	1.5%	34.7%	-13.9%	-24.3%	-40.4%	3.3%	36.8%	38.8%	55.1%	-2.1%	-13.0%	-12.99%
OCF Growth	snapshot only																				1.04%
Asset Growth	snapshot only																				-4.91%
Equity Growth	snapshot only																				10.10%
Debt Growth	snapshot only																				-12.67%
Shares Change	snapshot only																				-0.91%
Dividend Growth	snapshot only																				5.59%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	-3.4%	-1.8%	0.5%	2.3%	3.9%	4.1%	5.5%	7.0%	8.8%	10.0%	9.3%	8.4%	6.9%	5.8%	5.6%	5.1%	4.5%	3.7%	1.9%	0.7%	0.71%
Revenue 5Y	-2.3%	-1.4%	-0.7%	-0.0%	0.7%	1.0%	1.1%	1.6%	2.0%	2.9%	3.4%	3.8%	4.1%	4.1%	5.1%	5.4%	6.1%	5.8%	5.1%	4.7%	4.70%
EPS 3Y	48.5%	48.6%	6.6%	9.8%	-2.9%	—	—	—	—	17.0%	5.8%	-18.8%	-21.3%	-17.0%	-2.8%	2.2%	7.0%	—	—	—	—
EPS 5Y	—	—	-2.2%	-1.4%	-5.6%	—	—	—	—	10.0%	5.5%	1.1%	-2.6%	-7.2%	17.8%	—	—	24.6%	-5.8%	-15.8%	-15.80%
Net Income 3Y	48.0%	47.3%	5.7%	8.1%	-6.0%	—	—	—	—	14.4%	2.7%	-20.8%	-23.7%	-19.5%	-4.7%	0.8%	7.6%	—	—	—	—
Net Income 5Y	—	—	-3.1%	-3.2%	-8.3%	—	—	—	—	7.6%	3.3%	-0.6%	-4.3%	-8.8%	16.3%	—	—	23.0%	-7.0%	-17.2%	-17.16%
EBITDA 3Y	15.3%	11.3%	-2.9%	-2.0%	-6.6%	-29.4%	4.7%	30.0%	27.4%	30.2%	5.4%	-8.4%	-9.3%	-4.7%	2.3%	5.0%	8.5%	42.0%	1.6%	-3.4%	-3.43%
EBITDA 5Y	27.4%	15.7%	-4.4%	-4.5%	-6.4%	-19.5%	-1.6%	0.5%	6.0%	16.7%	0.5%	-0.9%	-2.1%	-4.2%	5.3%	18.1%	15.4%	8.8%	0.8%	-5.5%	-5.49%
Gross Profit 3Y	-3.3%	-2.9%	-2.5%	-1.2%	-1.2%	-1.4%	1.3%	4.1%	7.1%	9.6%	10.0%	8.7%	8.4%	7.6%	8.0%	7.6%	8.1%	8.6%	5.0%	2.0%	2.02%
Gross Profit 5Y	-1.8%	-1.8%	-1.9%	-1.4%	-1.4%	-1.3%	-0.9%	-0.0%	1.0%	2.7%	3.3%	3.6%	3.7%	3.4%	4.5%	5.3%	6.5%	6.4%	4.9%	3.6%	3.58%
Op. Income 3Y	2.4%	3.3%	-13.5%	-12.6%	-18.0%	-25.2%	-9.2%	1.7%	9.8%	14.0%	4.4%	-5.1%	-5.6%	-4.3%	14.5%	18.0%	23.6%	31.8%	10.9%	0.8%	0.82%
Op. Income 5Y	12.7%	8.3%	-9.0%	-8.8%	-13.1%	-15.2%	-6.2%	-1.3%	3.6%	10.2%	-1.2%	-4.3%	-5.6%	-9.2%	0.8%	4.4%	6.8%	6.5%	2.8%	0.3%	0.34%
FCF 3Y	—	96.1%	1.4%	-55.5%	—	—	—	-45.2%	-15.7%	6.1%	4.0%	-13.2%	-12.6%	7.7%	6.7%	1.1%	—	—	—	1.5%	1.47%
FCF 5Y	12.9%	-19.7%	-19.6%	-40.9%	—	—	—	—	—	92.0%	24.6%	1.3%	-7.5%	-15.2%	-12.1%	-3.6%	2.0%	1.7%	7.2%	7.5%	7.49%
OCF 3Y	33.6%	9.2%	1.2%	-17.4%	-27.0%	-38.8%	-28.4%	-14.0%	-4.9%	7.4%	3.7%	-6.3%	-9.3%	-5.7%	-1.7%	15.3%	37.7%	72.1%	53.4%	40.2%	40.22%
OCF 5Y	7.8%	-9.2%	-11.3%	-14.8%	-15.3%	-22.0%	-7.5%	-2.3%	12.0%	21.1%	14.6%	4.9%	-3.1%	-9.9%	-7.3%	-2.9%	0.6%	0.4%	1.4%	2.6%	2.64%
Assets 3Y	-1.5%	-1.5%	6.7%	6.7%	6.7%	6.7%	1.4%	1.4%	1.4%	1.4%	2.0%	2.0%	2.0%	2.0%	-1.9%	-1.9%	-1.9%	-1.9%	-1.2%	-1.2%	-1.16%
Assets 5Y	-0.8%	-0.8%	3.0%	3.0%	3.0%	3.0%	0.1%	0.1%	0.1%	0.1%	2.6%	2.6%	2.6%	2.6%	1.1%	1.1%	1.1%	1.1%	0.3%	0.3%	0.30%
Equity 3Y	0.8%	0.8%	7.4%	7.4%	7.4%	7.4%	-7.9%	-7.9%	-7.9%	-7.9%	-8.8%	-8.8%	-8.8%	-8.8%	-9.5%	-9.5%	-9.5%	-9.5%	11.6%	11.6%	11.60%
Book Value 3Y	1.2%	1.7%	8.3%	9.1%	10.9%	11.3%	-5.1%	-5.1%	-5.7%	-5.7%	-6.0%	-6.6%	-5.9%	-6.0%	-7.7%	-8.2%	-10.0%	-10.5%	10.5%	11.0%	10.95%
Dividend 3Y	-0.4%	7.0%	10.4%	11.3%	6.6%	3.1%	0.8%	0.5%	0.5%	2.8%	5.5%	6.8%	9.0%	7.3%	4.7%	2.8%	-0.4%	-0.3%	0.4%	1.2%	1.24%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.71	0.52	0.26	0.06	0.00	0.04	0.07	0.13	0.19	0.34	0.55	0.72	0.83	0.84	0.96	0.98	0.93	0.84	0.77	0.73	0.728
Earnings Stability	0.33	0.32	0.07	0.00	0.00	0.20	0.32	0.11	0.05	0.03	0.03	0.01	0.04	0.09	0.01	0.02	0.01	0.06	0.00	0.08	0.077
Margin Stability	0.96	0.97	0.96	0.96	0.95	0.94	0.95	0.96	0.96	0.95	0.95	0.95	0.94	0.94	0.95	0.95	0.95	0.95	0.96	0.96	0.958
Rev. Growth Consistency	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	1.00	1.00	1.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	0	0	0	1	0	0	0	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.20	0.50	0.97	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	0.50	0.90	0.83	0.835
Earnings Smoothness	—	0.00	0.92	0.58	0.26	—	—	—	—	—	—	—	—	0.85	0.86	0.71	0.74	0.52	0.70	0.48	0.479
ROE Trend	0.20	0.08	0.03	0.03	-0.02	-0.15	-0.30	-0.29	-0.28	0.04	0.22	0.14	0.15	0.08	0.13	0.16	0.15	0.07	-0.08	-0.07	-0.074
Gross Margin Trend	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	-0.00	0.02	0.03	0.03	0.03	0.02	0.01	0.01	0.01	0.01	-0.00	-0.01	-0.014
FCF Margin Trend	0.00	-0.04	-0.03	-0.05	-0.06	-0.05	-0.05	-0.03	-0.00	0.05	0.04	0.03	0.02	-0.00	-0.00	0.01	0.01	0.01	0.03	0.05	0.049
Sustainable Growth Rate	23.4%	15.1%	9.0%	8.6%	5.8%	—	—	—	—	3.1%	13.5%	7.2%	6.9%	4.7%	8.6%	11.2%	10.6%	12.4%	3.2%	2.0%	2.01%
Internal Growth Rate	5.7%	3.6%	2.3%	2.2%	1.4%	—	—	—	—	0.6%	2.3%	1.2%	1.2%	0.8%	1.6%	2.1%	2.0%	2.4%	0.7%	0.4%	0.43%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.78	1.45	1.77	1.26	1.31	-7.05	-1.51	-3.34	-6.67	6.45	3.39	3.71	2.98	2.33	1.94	1.89	2.73	2.83	5.08	6.55	6.554
FCF/OCF	0.66	0.39	0.43	0.10	-0.11	-0.95	-0.25	0.16	0.45	0.67	0.65	0.56	0.59	0.57	0.55	0.60	0.70	0.74	0.85	0.88	0.881
FCF/Net Income	snapshot only																				5.776
OCF/EBITDA	snapshot only																				1.323
CapEx/Revenue	2.9%	3.1%	2.7%	2.9%	2.9%	2.9%	2.8%	2.8%	2.8%	2.8%	2.8%	2.9%	2.2%	1.5%	1.7%	1.7%	1.8%	1.8%	1.2%	1.1%	1.07%
CapEx/Depreciation	snapshot only																				0.347
Accruals Ratio	-0.05	-0.02	-0.03	-0.01	-0.01	-0.03	-0.06	-0.07	-0.09	-0.12	-0.09	-0.08	-0.06	-0.03	-0.03	-0.03	-0.06	-0.07	-0.10	-0.13	-0.126
Sloan Accruals	snapshot only																				-0.091
Cash Flow Adequacy	snapshot only																				4.118
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.6%	2.8%	3.6%	3.6%	3.6%	4.7%	4.8%	3.1%	2.3%	2.8%	2.1%	3.0%	3.3%	2.6%	2.5%	2.5%	2.6%	2.6%	2.5%	3.0%	2.84%
Dividend/Share	$0.21	$0.23	$0.24	$0.24	$0.25	$0.25	$0.24	$0.24	$0.24	$0.24	$0.26	$0.27	$0.28	$0.28	$0.28	$0.28	$0.28	$0.28	$0.29	$0.29	$0.29
Payout Ratio	21.6%	31.8%	41.3%	42.3%	51.7%	—	—	—	—	70.3%	41.5%	58.1%	59.9%	68.5%	51.7%	45.2%	46.5%	43.2%	73.0%	81.4%	81.41%
FCF Payout Ratio	18.5%	56.8%	54.2%	3.2%	—	—	—	1.7%	38.0%	16.4%	18.9%	28.2%	34.1%	51.1%	48.4%	39.9%	24.4%	20.7%	17.0%	14.1%	14.09%
Total Payout Ratio	27.5%	47.6%	1.0%	1.6%	2.3%	—	—	—	—	73.6%	50.4%	73.3%	80.8%	97.2%	66.3%	55.5%	52.6%	53.0%	1.3%	1.7%	1.71%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1
Chowder Number	0.00	0.22	0.35	0.35	0.14	0.03	-0.02	-0.04	-0.03	0.04	0.09	0.16	0.21	0.15	0.11	0.07	0.03	0.05	0.07	0.09	0.085
Buyback Yield	0.7%	1.4%	5.4%	9.6%	12.4%	15.7%	10.8%	2.8%	0.0%	0.1%	0.4%	0.8%	1.2%	1.1%	0.7%	0.6%	0.3%	0.6%	1.9%	3.3%	3.26%
Net Buyback Yield	0.5%	1.4%	5.4%	9.6%	12.4%	15.7%	10.8%	2.8%	0.0%	0.1%	0.4%	0.8%	1.2%	1.1%	0.7%	0.6%	0.3%	0.6%	1.5%	2.8%	2.84%
Total Shareholder Return	3.1%	4.2%	9.0%	13.2%	15.9%	20.5%	15.5%	5.9%	2.3%	2.9%	2.5%	3.7%	4.5%	3.7%	3.1%	3.0%	3.0%	3.2%	4.0%	5.8%	5.79%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.72	0.74	0.70	0.69	0.66	0.31	-3.63	-0.94	-0.55	0.26	0.65	0.65	0.66	0.66	0.65	0.65	0.63	0.64	0.57	0.55	0.547
Interest Burden (EBT/EBIT)	0.92	0.89	0.86	0.86	0.83	-13.73	0.10	0.22	0.27	0.55	0.71	0.65	0.64	0.60	0.67	0.70	0.71	0.74	0.68	0.67	0.674
EBIT Margin	0.07	0.05	0.04	0.04	0.04	0.00	0.04	0.05	0.05	0.09	0.05	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.04	0.04	0.037
Asset Turnover	1.41	1.46	1.42	1.45	1.48	1.50	1.50	1.55	1.59	1.63	1.67	1.65	1.64	1.64	1.67	1.69	1.70	1.67	1.66	1.66	1.656
Equity Multiplier	4.37	4.37	4.03	4.03	4.03	4.03	4.89	4.89	4.89	4.89	5.98	5.98	5.98	5.98	5.36	5.36	5.36	5.36	4.75	4.75	4.747

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$0.95	$0.71	$0.58	$0.57	$0.48	$-0.05	$-0.38	$-0.26	$-0.20	$0.35	$0.63	$0.46	$0.46	$0.40	$0.53	$0.61	$0.59	$0.65	$0.39	$0.36	$0.36
Book Value/Share	$3.43	$3.44	$4.01	$4.08	$4.31	$4.38	$2.56	$2.57	$2.51	$2.50	$2.90	$2.84	$2.86	$2.86	$3.15	$3.15	$3.15	$3.14	$3.46	$3.50	$3.58
Tangible Book/Share	$-0.40	$-0.40	$-1.47	$-1.50	$-1.59	$-1.61	$-2.53	$-2.54	$-2.48	$-2.47	$-2.33	$-2.28	$-2.29	$-2.29	$-2.12	$-2.12	$-2.11	$-2.11	$0.60	$0.61	$0.61
Revenue/Share	$19.58	$20.27	$21.54	$22.42	$24.26	$24.81	$25.35	$26.19	$26.31	$26.88	$27.19	$26.37	$26.30	$26.31	$26.90	$27.10	$27.20	$26.73	$25.99	$26.29	$26.64
FCF/Share	$1.11	$0.40	$0.44	$0.07	$-0.07	$-0.35	$-0.14	$0.14	$0.62	$1.49	$1.38	$0.94	$0.81	$0.54	$0.57	$0.69	$1.13	$1.36	$1.69	$2.09	$2.12
OCF/Share	$1.68	$1.03	$1.03	$0.72	$0.63	$0.37	$0.57	$0.87	$1.36	$2.24	$2.12	$1.69	$1.38	$0.94	$1.04	$1.15	$1.62	$1.84	$1.99	$2.37	$2.40
Cash/Share	$0.82	$0.82	$1.01	$1.02	$1.08	$1.10	$0.95	$0.95	$0.93	$0.92	$1.19	$1.17	$1.18	$1.18	$1.11	$1.11	$1.11	$1.11	$1.28	$1.30	$1.12
EBITDA/Share	$2.21	$1.82	$1.72	$1.71	$1.66	$0.77	$1.78	$2.02	$2.12	$3.11	$2.09	$1.81	$1.82	$1.73	$1.96	$2.06	$2.08	$2.14	$1.82	$1.79	$1.79
Debt/Share	$4.40	$4.41	$5.46	$5.56	$5.88	$5.96	$7.13	$7.13	$6.98	$6.94	$6.38	$6.25	$6.29	$6.29	$6.21	$6.21	$6.19	$6.18	$5.40	$5.47	$5.47
Net Debt/Share	$3.58	$3.59	$4.45	$4.53	$4.79	$4.86	$6.18	$6.19	$6.05	$6.02	$5.18	$5.08	$5.11	$5.11	$5.10	$5.10	$5.09	$5.07	$4.12	$4.17	$4.17

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6.644
Altman Z-Prime	snapshot only																				2.663
Piotroski F-Score	5	5	7	6	6	5	6	6	5	7	7	7	7	6	6	8	8	8	3	4	4
Beneish M-Score	-2.71	-2.57	-2.35	-2.33	-2.29	-2.36	-2.75	-2.81	-2.97	-3.14	-3.14	-2.99	-2.88	-2.69	-2.42	-2.50	-2.69	-2.55	-3.19	-3.27	-3.266
Ohlson O-Score	snapshot only																				-5.262
ROIC (Greenblatt)	snapshot only																				1.13%
Net-Net WC	snapshot only																				$-4.87
EVA	snapshot only																				$-1792432.41

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A-
Credit Score	75.58	70.33	65.55	65.15	62.55	43.87	54.95	60.23	57.87	74.26	62.01	60.40	55.78	58.73	58.80	62.11	61.83	64.73	67.91	69.25	69.249
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				7.140
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				55
Sector Credit Rank	snapshot only																				61

CRD-A NYSE

Edge Score

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

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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