— Know what they know.
Not Investment Advice
Also trades as: CTO-PA (NYSE) · $vol 0M

CTO NYSE

CTO Realty Growth, Inc.
1W: -1.9% 1M: -5.2% 3M: -10.3% YTD: +7.1% 1Y: +23.0% 3Y: +48.3% 5Y: +56.5%
$19.45
-0.19 (-0.97%)
After Hours: $19.36 (-0.09, -0.46%)
Weekly Expected Move ±3.6%
$18 $19 $20 $21 $21
NYSE · Real Estate · REIT - Diversified · Tech Score Sell · Power 37 · $736.2M mcap · 34M float · 1.11% daily turnover · Short 52% of daily vol
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. 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
44.2 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: 4.6%  ·  5Y Avg: 1.6%
Cost Advantage
43
Intangibles
33
Switching Cost
53
Network Effect
54
Scale
40
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. CTO shows a Weak competitive edge (44.2/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 4.6% 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
$24
Low
$24
Avg Target
$25
High
Based on 2 analysts since Jul 28, 2026 earnings
Analyst Recommendations
Strong Buy: 1Buy: 8Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$24.50
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-08-03 Cantor Fitzgerald Jay Kornreich $20 $25 +5 +11.7% $22.38
2026-07-29 Industrial Alliance Securities — $23 $24 +1 +9.5% $21.91
2026-06-29 Raymond James — $24 $25 +1 +15.6% $21.64
2026-04-29 Industrial Alliance Securities — $22 $23 +1 +16.8% $19.70
2026-02-20 Industrial Alliance Securities Gaurav Mehta Initiated $22 — +14.6% $19.19
2026-02-03 Cantor Fitzgerald Jay Kornreich Initiated $20 — +12.4% $17.80
2024-10-30 Raymond James Strong Buy $26 $24 -2 +24.9% $19.21
2023-03-16 JonesTrading Jason Stewart $80 $26 -54 +56.8% $16.58
2022-08-01 EF Hutton — $24 $25 +1 +17.9% $21.20
2022-08-01 Raymond James — $69 $26 -43 +22.6% $21.20
2022-07-07 EF Hutton — Initiated $24 — +16.8% $20.55
2022-06-17 Raymond James — Initiated $69 — +249.8% $19.72
2022-04-29 JonesTrading — Initiated $80 — +276.4% $21.25

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
4
ROA
4
D/E
3
P/E
3
P/B
3
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. CTO receives an overall rating of A. Strongest factors: DCF (5/5), ROE (4/5), ROA (4/5).
Rating Change History
DateFromTo
2026-10-22 A- A
2026-10-01 B+ A-
2026-08-17 A- B+
2026-07-29 B- A-
2026-07-01 B B-
2026-05-04 B- B
2026-04-28 B B-
2026-04-01 B- B
2026-03-02 C+ B-
2026-02-20 C C+

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.

★ ★ ★ ★ ★ 51 Grade A
Profitability
69
Balance Sheet
49
Earnings Quality
84
Growth
67
Value
89
Momentum
94
Safety
15
Cash Flow
28
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. CTO scores highest in Momentum (94/100) and lowest in Safety (15/100). An overall grade of A places CTO among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman Z-Score
1.04
Distress Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓
Beneish M-Score
-3.39
Unlikely Manipulator
Ohlson O-Score
-7.47
Bankruptcy prob: 0.1%
Low Risk
Credit Rating
BB+
Score: 48.1/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 1.27x
Accruals: -1.1%
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. CTO scores 1.04, 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. CTO scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CTO's score of -3.39 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. CTO's implied 0.1% 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. CTO receives an estimated rating of BB+ (score: 48.1/100), 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). CTO'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
13.80x
PEG
0.01x
P/S
4.57x
P/B
1.00x
P/FCF
90.27x
P/OCF
10.86x
EV/EBITDA
8.94x
EV/Revenue
8.43x
EV/EBIT
22.23x
EV/FCF
168.64x
Earnings Yield
7.25%
FCF Yield
1.11%
Shareholder Yield
9.35%
Graham Number
$26.24
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 13.8x earnings, CTO trades at a reasonable valuation. An earnings yield of 7.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $26.24 per share, suggesting a potential 34% 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
0.977
NI / EBT
×
Interest Burden
0.883
EBT / EBIT
×
EBIT Margin
0.379
EBIT / Rev
×
Asset Turnover
0.122
Rev / Assets
×
Equity Multiplier
2.132
Assets / Equity
=
ROE
8.5%
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. CTO's ROE of 8.5% is driven by a balanced combination of operating margin, asset efficiency, and leverage. A tax burden ratio of 0.98 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

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
$13.25
Price/Value
1.62x
Margin of Safety
-62.30%
Premium
62.30%
Assessment
Neutral
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CTO's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CTO trades at a 62% premium to its adjusted intrinsic value of $13.25, 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 13.8x.

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
$19.44
Median 1Y
$19.64
5th Pctile
$12.31
95th Pctile
$31.31
Ann. Volatility
29.3%
Analyst Target
$24.50
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
John P. Albright
President & Chief Executive Officer
$640,710 $1,172,927 $3,047,109
Steven R. Greathouse
Sr. Vice President & Chief Investment Officer
$400,000 $501,850 $1,516,460
Daniel E. Smith
Sr. Vice President, General Counsel & Corporate Secretary
$300,000 $376,388 $1,142,510
Lisa M. Vorakoun
Sr. Vice President & Chief Accounting Officer
$255,833 $226,572 $909,245
Matthew M. Partridge
Former Senior Vice President, Chief Financial Officer & Treasurer
$101,515 $501,850 $617,345
Philip R. Mays
Senior Vice President, Chief Financial Officer & Treasurer
$203,125 $— $525,355

CEO Pay Ratio

7:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $3,047,109
Avg Employee Cost (SGA/emp): $441,119
Employees: 42

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
42
+13.5% YoY
Revenue / Employee
$3,560,595
Rev: $149,545,000
Profit / Employee
$240,286
NI: $10,092,000
SGA / Employee
$441,119
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 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 30.1% 7.7% 5.7% 7.0% 1.9% 0.7% -0.7% -0.5% -1.0% 1.1% 3.7% 3.5% 3.8% -0.4% -1.1% -5.7% -5.8% 1.7% 2.4% 8.5% 8.52%
ROA 15.7% 4.3% 3.1% 3.7% 1.1% 0.4% -0.3% -0.3% -0.5% 0.6% 1.7% 1.6% 1.8% -0.2% -0.5% -2.7% -2.8% 0.8% 1.1% 4.0% 3.99%
ROIC 18.7% 3.9% 3.8% 4.8% 2.4% 24.0% 1.9% 1.8% 1.6% 2.6% 3.8% 4.0% 3.2% 1.3% 0.7% -0.5% -0.2% 2.7% 2.9% 4.6% 4.61%
ROCE 4.6% 4.9% 3.9% 4.9% 2.3% 1.7% 1.4% 1.6% 1.8% 2.3% 3.5% 3.5% 3.1% 1.7% 0.4% -1.6% -1.8% 2.0% 3.3% 4.4% 4.40%
Gross Margin 74.4% 51.9% 76.4% 74.1% 70.7% 69.0% 70.7% 71.9% 74.7% 73.5% 73.1% 71.1% 74.4% 74.4% 75.2% 73.0% 75.4% -2.4% 75.3% 74.6% 74.62%
Operating Margin 1.6% 5.2% 20.3% 25.8% 46.5% 14.1% 12.0% 21.8% 27.0% 34.1% 51.6% 18.8% 15.6% -20.4% 22.0% -33.7% 23.2% 75.9% 24.2% 30.2% 30.23%
Net Margin 1.4% 7.8% 1.2% 6.3% 20.8% -13.7% -24.2% 6.9% 9.4% 23.5% 20.8% 4.1% 19.6% -42.6% 6.3% -62.2% 8.0% 73.9% 15.1% 34.5% 34.48%
EBITDA Margin 1.9% 41.8% 45.3% 51.9% 64.1% 51.6% 35.4% 69.4% 71.3% 62.6% 78.0% 62.9% 78.5% 53.6% -50.8% -3.7% 65.5% 2.1% 70.8% 41.8% 41.83%
FCF Margin 24.4% 39.2% 44.9% 40.7% 58.3% -1.8% -1.6% -1.5% -1.5% 32.4% 33.6% 30.4% 44.1% 55.7% 51.4% 54.6% 51.1% 39.1% 40.5% 5.0% 5.00%
OCF Margin 28.3% 39.2% 44.9% 40.7% 58.3% 68.1% 60.1% 60.9% 60.9% 42.5% 43.4% 39.9% 44.1% 55.7% 51.4% 54.6% 55.3% 43.2% 44.5% 41.6% 41.55%
ROE 3Y Avg snapshot only 2.03%
ROE 5Y Avg snapshot only 2.38%
ROA 3Y Avg snapshot only 0.99%
ROIC 3Y Avg snapshot only 1.41%
ROIC Economic snapshot only 4.42%
Cash ROA snapshot only 4.77%
Cash ROIC snapshot only 5.17%
CROIC snapshot only 0.62%
NOPAT Margin snapshot only 37.04%
Pretax Margin snapshot only 33.49%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 11.86%
SBC / Revenue snapshot only 2.15%
Valuation
Metric Trend 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 2.08 8.68 12.81 9.99 37.33 88.91 -101.90 -126.84 -65.65 68.51 21.98 20.98 21.57 -282.98 -103.17 -17.93 -15.64 58.14 42.49 13.80 13.804
P/S Ratio 3.63 3.70 3.93 3.50 3.61 3.41 3.45 3.23 2.96 3.47 3.39 3.05 3.69 4.47 4.33 3.83 3.55 3.97 3.88 4.51 4.570
P/B Ratio 0.51 0.60 0.66 0.63 0.69 0.56 0.65 0.65 0.63 0.83 0.83 0.71 0.73 0.91 0.96 0.94 0.94 1.05 1.05 1.10 1.000
P/FCF 14.90 9.42 8.76 8.60 6.19 -1.94 -2.10 -2.19 -2.01 10.70 10.09 10.03 8.37 8.02 8.43 7.03 6.94 10.15 9.58 90.27 90.273
P/OCF 12.85 9.42 8.76 8.60 6.19 5.01 5.73 5.30 4.86 8.16 7.81 7.63 8.37 8.02 8.43 7.03 6.42 9.19 8.73 10.86 10.857
EV/EBITDA 8.39 8.86 10.92 9.57 14.66 15.22 16.10 15.18 13.89 12.69 11.34 10.19 11.13 12.37 25.95 45.57 45.08 14.06 9.06 8.94 8.935
EV/Revenue 6.65 7.03 7.37 7.32 7.46 8.20 8.11 8.39 8.02 7.66 7.96 6.99 7.86 8.37 8.65 7.94 7.46 7.98 7.74 8.43 8.428
EV/EBIT 14.29 14.04 19.87 15.86 35.75 43.12 57.61 49.40 46.67 39.49 26.56 24.37 25.76 54.34 263.74 -59.08 -52.51 47.97 28.60 22.23 22.234
EV/FCF 27.28 17.92 16.42 17.99 12.79 -4.66 -4.95 -5.68 -5.43 23.59 23.68 23.02 17.83 15.02 16.85 14.54 14.60 20.42 19.09 168.64 168.637
Earnings Yield 48.2% 11.5% 7.8% 10.0% 2.7% 1.1% -1.0% -0.8% -1.5% 1.5% 4.5% 4.8% 4.6% -0.4% -1.0% -5.6% -6.4% 1.7% 2.4% 7.2% 7.25%
FCF Yield 6.7% 10.6% 11.4% 11.6% 16.2% -51.6% -47.5% -45.7% -49.9% 9.3% 9.9% 10.0% 12.0% 12.5% 11.9% 14.2% 14.4% 9.9% 10.4% 1.1% 1.11%
PEG Ratio snapshot only 0.008
Price/Tangible Book snapshot only 1.254
EV/OCF snapshot only 20.283
EV/Gross Profit snapshot only 1472.558
Acquirers Multiple snapshot only 22.218
Shareholder Yield snapshot only 9.35%
Graham Number snapshot only $26.24
Leverage & Solvency
Metric Trend 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 1.81 4.35 1.74 2.37 2.18 1.65 1.71 5.94 2.11 2.10 1.97 1.59 8.17 2.44 2.53 7.10 4.97 2.33 7.23 2.44 2.444
Quick Ratio 0.81 2.93 1.73 2.36 2.17 1.65 1.67 5.74 1.59 2.10 1.97 1.59 8.17 2.43 2.53 7.10 4.97 2.33 7.23 2.44 2.444
Debt/Equity 0.53 0.66 0.69 0.80 0.83 0.90 0.97 1.13 1.17 1.11 1.20 1.01 0.92 0.87 1.04 1.08 1.11 1.14 1.13 1.04 1.041
Net Debt/Equity 0.43 0.54 0.58 0.69 0.73 0.78 0.88 1.04 1.08 1.00 1.11 0.93 0.83 0.79 0.96 1.01 1.03 1.06 1.04 0.95 0.951
Debt/Assets 0.34 0.39 0.40 0.43 0.44 0.46 0.47 0.51 0.53 0.51 0.53 0.49 0.46 0.45 0.50 0.50 0.51 0.51 0.50 0.49 0.492
Debt/EBITDA 4.72 5.09 6.07 5.76 8.61 10.27 10.28 10.18 9.53 7.69 7.04 6.28 6.52 6.35 14.06 25.31 25.46 7.63 4.91 4.54 4.543
Net Debt/EBITDA 3.80 4.20 5.09 4.99 7.57 8.89 9.26 9.33 8.76 6.93 6.51 5.75 5.91 5.77 12.97 23.55 23.63 7.07 4.51 4.15 4.152
Interest Coverage 4.47 4.15 3.40 4.62 2.01 1.48 0.95 1.02 0.87 0.95 1.45 1.40 1.63 0.89 0.20 -0.82 -0.85 0.95 1.51 2.11 2.107
Equity Multiplier 1.58 1.70 1.75 1.86 1.90 1.95 2.05 2.22 2.23 2.16 2.25 2.05 1.97 1.93 2.09 2.15 2.19 2.23 2.26 2.12 2.118
Cash Ratio snapshot only 3.335
Debt Service Coverage snapshot only 5.242
Cash to Debt snapshot only 0.086
FCF to Debt snapshot only 0.012
Efficiency & Turnover
Metric Trend 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 0.09 0.10 0.10 0.10 0.11 0.10 0.10 0.10 0.11 0.11 0.11 0.11 0.11 0.11 0.12 0.13 0.12 0.12 0.12 0.12 0.122
Inventory Turnover 0.32 0.82 8.09 2.75 0.79 1.76 15.32 12.42 1.52 — 22.20 16.04 1.72 221.48 — — — 1053.02 — — —
Receivables Turnover 8.64 10.74 10.19 11.76 12.85 11.37 10.96 10.86 11.79 9.11 11.08 10.78 10.67 7.26 8.68 9.03 8.84 7.31 7.53 7.50 7.499
Payables Turnover 9.16 26.04 20.50 18.98 21.87 14.20 12.04 10.67 11.26 11.20 11.10 10.77 10.58 11.01 15.78 18.12 19.11 63.35 88.63 71.62 71.620
DSO 42 34 36 31 28 32 33 34 31 40 33 34 34 50 42 40 41 50 49 49 48.7 days
DIO 1151 444 45 133 461 207 24 29 240 0 16 23 212 2 0 0 0 0 0 0 0.0 days
DPO 40 14 18 19 17 26 30 34 32 33 33 34 34 33 23 20 19 6 4 5 5.1 days
Cash Conversion Cycle 1153 464 63 144 472 213 27 29 239 7 17 23 212 19 19 20 22 45 44 44 43.6 days
Fixed Asset Turnover snapshot only 0.163
Cash Velocity snapshot only 2.714
Capital Intensity snapshot only 8.718
Growth (YoY)
Metric Trend 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 17.5% 24.6% 24.9% 30.9% 37.3% 17.1% 23.4% 23.7% 20.4% 32.6% 25.3% 19.6% 16.6% 14.1% 17.5% 22.3% 23.8% 20.1% 17.2% 14.3% 14.26%
Net Income 13.1% -61.9% -77.3% -66.8% -92.4% -89.5% -1.1% -1.1% -1.6% 75.1% 6.7% 7.8% 5.4% -1.4% -1.3% -2.8% -2.6% 6.2% 3.6% 2.7% 2.75%
EPS -10.8% -68.9% -77.4% -67.4% -93.8% -90.6% -1.1% -1.1% -1.5% 34.6% 6.0% 7.7% 4.9% -1.3% -1.3% -2.3% -2.3% 5.9% 3.5% 2.7% 2.69%
FCF 1.1% 1.2% 4.2% 9.3% 2.3% -6.3% -5.5% -5.5% -4.0% 1.2% 1.3% 1.2% 1.3% 95.9% 79.5% 1.2% 43.6% -15.7% -7.6% -89.5% -89.54%
EBITDA 75.9% 1.3% 4.4% 1.7% -11.8% -20.5% -7.8% -10.6% 36.6% 48.5% 74.6% 48.5% 42.6% 27.9% -44.2% -69.0% -71.0% 0.8% 2.0% 5.2% 5.19%
Op. Income 31.0% 90.1% 36.0% 11.5% -5.6% -3.9% -2.1% -38.3% -5.1% 18.1% 73.8% 67.6% 80.0% -33.6% -71.2% -1.2% -1.1% 87.8% 2.2% 9.5% 9.55%
OCF Growth snapshot only -13.01%
Asset Growth snapshot only 13.88%
Equity Growth snapshot only 15.52%
Debt Growth snapshot only 11.04%
Shares Change snapshot only 3.24%
Dividend Growth snapshot only 3.35%
Growth (CAGR)
Metric Trend 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 -6.2% -8.0% -3.0% -2.4% 3.1% 13.8% 18.1% 24.8% 24.8% 24.6% 24.5% 24.7% 24.5% 21.0% 22.0% 21.8% 20.3% 22.0% 19.9% 18.7% 18.67%
Revenue 5Y -0.5% -0.2% -4.5% -5.1% -3.6% -2.1% 3.0% 7.1% 6.4% 3.8% 7.1% 6.6% 9.0% 17.4% 19.4% 23.3% 22.9% 21.5% 21.6% 22.0% 22.03%
EPS 3Y 26.4% -9.4% -14.8% -8.3% -43.2% -73.1% — — — -66.0% -50.8% -45.9% -49.3% — — — — 25.9% — — —
EPS 5Y 43.8% 12.1% -5.1% -3.4% -22.9% -42.4% — — — -37.7% -20.1% -17.8% -17.5% — — — — -43.4% -40.0% -19.6% -19.62%
Net Income 3Y 29.4% -7.0% -11.9% -2.2% -35.4% -69.8% — — — -58.7% -43.9% -41.2% -42.7% — — — — 47.9% — — —
Net Income 5Y 44.9% 13.0% -4.1% -1.7% -18.3% -40.3% — — — -31.7% -11.9% -10.5% -7.7% — — — — -33.5% -32.2% -8.5% -8.52%
EBITDA 3Y 5.9% -0.5% 1.1% 5.8% -5.0% 10.9% 42.0% 20.7% 28.4% 39.8% 18.9% 52.1% 19.7% 14.7% -3.5% -25.6% -17.3% 24.2% 42.9% 41.8% 41.82%
EBITDA 5Y 7.7% 10.7% -0.9% 1.3% -5.3% -3.5% 0.3% 5.8% 7.4% 3.1% 10.7% 9.5% 10.8% 21.0% 22.7% -4.1% -2.6% 28.6% 22.9% 46.5% 46.54%
Gross Profit 3Y -2.2% -10.3% -4.7% -3.9% -1.7% 11.9% 15.9% 19.9% 23.4% 24.5% 23.6% 23.9% 22.4% 24.0% 25.6% 25.7% 24.5% — — -76.2% -76.17%
Gross Profit 5Y 1.2% 1.1% -3.3% -3.6% -2.4% -0.5% 3.2% 6.5% 7.6% 3.7% 7.7% 7.2% 7.8% 16.6% 19.0% 21.5% 23.0% — — -53.9% -53.90%
Op. Income 3Y -22.6% -27.6% -26.4% -11.1% -27.9% -16.7% -7.2% 2.9% 5.5% 29.2% 32.3% — 17.2% -9.0% -21.2% — — 13.8% 17.1% 39.4% 39.37%
Op. Income 5Y -10.7% -9.0% -16.1% -8.5% -14.5% -11.0% -8.6% -14.0% -16.1% -15.5% -7.5% -6.2% -8.6% -14.6% -16.7% — — 21.9% 16.4% — —
FCF 3Y — — — — — — — — — — — — 51.6% 36.0% 27.6% 34.4% 15.1% — — — —
FCF 5Y — — — — — — — — — — — — — — — — — — — — —
OCF 3Y -17.6% -17.2% -8.2% -12.8% 4.8% 50.6% 50.7% 66.4% 75.0% 40.0% 35.4% 21.7% 44.3% 36.0% 27.6% 34.4% 18.1% 4.8% 8.5% 4.5% 4.47%
OCF 5Y 1.6% 14.1% -6.2% -12.5% -6.1% -0.5% 6.9% 17.2% 14.8% -0.9% 2.9% -0.7% 4.1% 33.4% 33.9% 43.3% 47.7% 30.7% 28.5% 21.3% 21.26%
Assets 3Y 13.0% 9.6% 13.3% 11.6% 13.2% 11.9% 11.0% 15.5% 15.9% 14.1% 15.6% 13.5% 19.6% 17.2% 18.1% 15.4% 13.1% 8.6% 9.8% 9.8% 9.78%
Assets 5Y 12.7% 12.4% 12.7% 13.2% 14.1% 16.2% 15.2% 17.2% 17.5% 12.2% 15.0% 11.8% 15.1% 10.9% 11.6% 12.4% 12.3% 13.7% 14.1% 15.3% 15.28%
Equity 3Y 28.3% 26.7% 26.3% 29.8% 30.7% 20.9% 20.7% 19.0% 19.4% 9.2% 9.3% 12.6% 11.0% 12.5% 11.3% 10.0% 7.8% 4.0% 6.3% 11.5% 11.49%
Book Value 3Y 25.3% 23.3% 22.1% 21.7% 14.9% 7.9% 3.1% 1.6% 1.9% -10.1% -4.1% 3.5% -1.7% -6.4% -8.2% -9.9% -6.2% -11.5% -5.7% -2.7% -2.67%
Dividend 3Y 77.5% 18.2% 9.1% 0.8% -10.3% -2.6% -6.8% -7.6% -7.8% -13.6% -9.8% -6.4% -8.7% -11.5% -9.7% -8.8% -4.9% -9.5% -8.0% -10.8% -10.79%
Growth Quality
Metric Trend 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 0.09 0.12 0.45 0.39 0.26 0.04 0.10 0.39 0.34 0.13 0.41 0.41 0.63 0.93 0.96 0.98 0.99 0.98 0.99 1.00 0.996
Earnings Stability 0.81 0.14 0.11 0.07 0.05 0.11 0.10 0.17 0.14 0.44 0.31 0.32 0.26 0.86 0.76 0.88 0.75 0.59 0.46 0.16 0.164
Margin Stability 0.94 0.93 0.93 0.91 0.91 0.95 0.96 0.94 0.94 0.97 0.96 0.96 0.94 0.96 0.96 0.94 0.96 0.39 0.41 0.45 0.446
Rev. Growth Consistency 0.50 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
Earn. Growth Consistency 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.500
FCF Positive Streak 0 0 0 0 1 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1
Earnings Persistence 0.95 0.50 0.50 0.50 0.50 0.50 0.20 0.20 0.20 0.50 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.200
Earnings Smoothness 0.88 0.10 0.00 0.00 0.00 0.00 — — — 0.45 — — — — — — — — — — —
ROE Trend 0.00 -0.24 -0.26 -0.23 -0.27 -0.14 -0.17 -0.16 -0.14 -0.03 0.01 0.00 0.03 -0.01 -0.02 -0.07 -0.07 0.01 0.01 0.09 0.089
Gross Margin Trend 0.01 -0.06 -0.07 -0.09 -0.08 0.02 -0.00 -0.00 -0.00 0.03 0.04 0.04 0.04 0.01 0.02 0.02 0.02 -0.79 -0.76 -0.73 -0.731
FCF Margin Trend 3.16 2.93 3.04 2.81 2.65 -0.62 -1.78 -1.65 -1.89 1.01 0.93 0.84 0.89 1.28 1.16 1.13 1.03 -0.05 -0.02 -0.37 -0.375
Sustainable Growth Rate 22.0% 1.0% -1.3% -0.6% -5.2% -6.5% — — — -7.0% -4.6% -4.8% -4.2% — — — — -7.9% -7.3% -1.0% -0.96%
Internal Growth Rate 12.9% 0.6% — — — — — — — — — — — — — — — — — — —
Cash Flow Quality
Metric Trend 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 0.16 0.92 1.46 1.16 6.03 17.76 -17.78 -23.91 -13.51 8.39 2.81 2.75 2.58 -35.29 -12.24 -2.55 -2.44 6.33 4.87 1.27 1.271
FCF/OCF 0.86 1.00 1.00 1.00 1.00 -2.58 -2.72 -2.43 -2.42 0.76 0.77 0.76 1.00 1.00 1.00 1.00 0.92 0.91 0.91 0.12 0.120
FCF/Net Income snapshot only 0.153
OCF/EBITDA snapshot only 0.441
CapEx/Revenue 3.9% 0.0% 0.0% 0.0% 0.0% 2.4% 2.2% 2.1% 2.1% 10.1% 9.8% 9.6% 0.0% 0.0% 0.0% 0.0% 4.2% 4.1% 4.0% 36.6% 36.55%
CapEx/Depreciation snapshot only 0.648
Accruals Ratio 0.13 0.00 -0.01 -0.01 -0.05 -0.06 -0.07 -0.07 -0.07 -0.04 -0.03 -0.03 -0.03 -0.07 -0.06 -0.10 -0.10 -0.04 -0.04 -0.01 -0.011
Sloan Accruals snapshot only -0.168
Cash Flow Adequacy snapshot only 0.570
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 13.0% 10.0% 9.6% 10.9% 10.2% 12.0% 11.6% 12.1% 13.0% 10.3% 10.2% 11.3% 9.8% 8.5% 8.9% 10.2% 10.8% 9.5% 9.5% 8.1% 7.74%
Dividend/Share $1.64 $1.47 $1.56 $1.65 $1.44 $1.69 $1.58 $1.68 $1.74 $1.51 $1.50 $1.75 $1.68 $1.53 $1.62 $1.68 $1.72 $1.75 $1.76 $1.73 $1.52
Payout Ratio 27.0% 86.5% 1.2% 1.1% 3.8% 10.7% — — — 7.1% 2.2% 2.4% 2.1% — — — — 5.5% 4.0% 1.1% 1.11%
FCF Payout Ratio 1.9% 93.9% 84.5% 93.7% 62.8% — — — — 1.1% 1.0% 1.1% 82.2% 67.9% 75.4% 71.4% 74.9% 96.7% 91.0% 7.3% 7.28%
Total Payout Ratio 27.4% 92.5% 1.3% 1.2% 4.4% 11.5% — — — 8.3% 2.4% 2.5% 2.2% — — — — 6.5% 4.6% 1.3% 1.29%
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 5.14 0.89 0.53 0.35 0.17 0.42 0.42 0.39 0.39 0.26 0.19 0.17 0.20 0.29 0.40 0.48 0.42 0.30 0.21 0.15 0.148
Buyback Yield 0.2% 0.7% 0.6% 1.1% 1.6% 1.0% 2.5% 2.2% 1.8% 1.7% 0.6% 0.6% 0.5% 0.1% 0.2% 0.0% 0.8% 1.6% 1.4% 1.3% 1.29%
Net Buyback Yield 0.2% 0.7% -0.4% -2.0% -5.1% -32.6% -27.0% -25.4% -22.7% 1.7% 0.0% -1.2% -29.8% -29.5% -28.3% -29.4% -5.5% 1.5% -1.1% -0.8% -0.79%
Total Shareholder Return 13.2% 10.7% 9.3% 8.9% 5.0% -20.6% -15.4% -13.3% -9.7% 12.1% 10.2% 10.1% -19.9% -21.1% -19.4% -19.2% 5.3% 11.0% 8.4% 7.3% 7.27%
DuPont Factors
Metric Trend 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) 5.32 1.11 1.16 0.96 0.91 9.63 0.57 0.55 0.70 0.90 0.97 1.00 0.98 0.85 0.97 1.00 0.99 0.97 0.98 0.98 0.977
Interest Burden (EBT/EBIT) 0.71 0.76 0.71 0.79 0.51 0.02 -0.42 -0.27 -0.38 0.29 0.53 0.51 0.57 -0.12 -1.32 1.59 1.61 0.42 0.35 0.88 0.883
EBIT Margin 0.47 0.50 0.37 0.46 0.21 0.19 0.14 0.17 0.17 0.19 0.30 0.29 0.31 0.15 0.03 -0.13 -0.14 0.17 0.27 0.38 0.379
Asset Turnover 0.09 0.10 0.10 0.10 0.11 0.10 0.10 0.10 0.11 0.11 0.11 0.11 0.11 0.11 0.12 0.13 0.12 0.12 0.12 0.12 0.122
Equity Multiplier 1.92 1.79 1.82 1.92 1.74 1.84 1.91 2.05 2.07 2.05 2.15 2.13 2.09 2.03 2.16 2.10 2.08 2.07 2.18 2.13 2.132
Per Share
Metric Trend 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) $6.08 $1.69 $1.26 $1.52 $0.38 $0.16 $-0.13 $-0.11 $-0.20 $0.21 $0.67 $0.73 $0.79 $-0.06 $-0.18 $-0.92 $-1.02 $0.32 $0.44 $1.56 $1.56
Book Value/Share $24.58 $24.36 $24.29 $23.96 $20.66 $25.38 $21.08 $21.29 $21.26 $17.68 $17.74 $21.58 $23.34 $19.96 $18.80 $17.54 $17.05 $17.60 $17.69 $19.63 $19.60
Tangible Book/Share $19.71 $18.67 $18.48 $18.44 $15.66 $19.52 $16.22 $16.26 $16.55 $13.93 $13.86 $17.41 $19.13 $17.38 $15.98 $15.05 $14.77 $14.97 $15.03 $17.15 $17.15
Revenue/Share $3.48 $3.98 $4.11 $4.33 $3.93 $4.14 $3.96 $4.29 $4.53 $4.22 $4.32 $5.06 $4.65 $4.06 $4.18 $4.31 $4.50 $4.64 $4.76 $4.77 $4.77
FCF/Share $0.85 $1.56 $1.84 $1.76 $2.29 $-7.29 $-6.48 $-6.33 $-6.68 $1.37 $1.45 $1.54 $2.05 $2.26 $2.15 $2.35 $2.30 $1.81 $1.93 $0.24 $0.42
OCF/Share $0.98 $1.56 $1.84 $1.76 $2.29 $2.82 $2.38 $2.61 $2.76 $1.79 $1.87 $2.02 $2.05 $2.26 $2.15 $2.35 $2.49 $2.00 $2.12 $1.98 $1.98
Cash/Share $2.51 $2.81 $2.71 $2.53 $2.08 $3.09 $2.04 $2.01 $2.01 $1.92 $1.63 $1.81 $2.00 $1.59 $1.52 $1.32 $1.36 $1.48 $1.62 $1.76 $1.76
EBITDA/Share $2.76 $3.16 $2.77 $3.31 $2.00 $2.23 $1.99 $2.37 $2.61 $2.54 $3.03 $3.47 $3.28 $2.74 $1.40 $0.75 $0.74 $2.63 $4.07 $4.50 $4.50
Debt/Share $13.00 $16.08 $16.82 $19.06 $17.22 $22.91 $20.51 $24.12 $24.90 $19.56 $21.37 $21.79 $21.39 $17.41 $19.62 $18.99 $18.95 $20.10 $19.98 $20.43 $20.43
Net Debt/Share $10.48 $13.27 $14.11 $16.53 $15.14 $19.82 $18.47 $22.11 $22.89 $17.64 $19.74 $19.97 $19.39 $15.82 $18.10 $17.67 $17.59 $18.62 $18.36 $18.67 $18.67
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 1.042
Altman Z-Prime snapshot only 1.847
Piotroski F-Score 6 4 5 6 5 4 3 4 4 7 7 6 7 6 6 5 4 5 7 7 7
Beneish M-Score -2.03 -0.44 -2.47 -2.19 -2.38 -2.98 -2.36 -2.35 1.84 -2.01 3.07 1.38 -1.77 -2.25 -2.24 -2.09 -2.78 -3.99 -2.80 -3.39 -3.390
Ohlson O-Score snapshot only -7.474
ROIC (Greenblatt) snapshot only 6.02%
Net-Net WC snapshot only $-20.69
EVA snapshot only $-69735424.02
Credit
Metric Trend 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 BB+
Credit Score 54.26 58.05 54.58 57.19 51.65 31.83 30.26 34.66 29.70 32.84 34.69 33.94 45.07 36.88 35.77 31.32 33.31 31.39 46.48 48.06 48.063
Credit Grade snapshot only 11
Credit Trend snapshot only 16.743
Implied Spread (bps) snapshot only 400.000
Industry Credit Rank snapshot only 65
Sector Credit Rank snapshot only 53

Sign in to InsiderStreet

You'll also get our free weekly newsletter with
smart money signals, market insights, and alpha ideas.
Unsubscribe anytime.

For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms