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

DAVE NASDAQ

Dave Inc.
1W: +2.7% 1M: -14.6% 3M: +36.5% YTD: +9.8% 1Y: +22.9% 3Y: +5091.8% 5Y: -22.8%
$228.46
-12.44 (-5.16%)
 
Weekly Expected Move ±8.4%
$196 $216 $236 $256 $276
NASDAQ · Technology · Software - Application · Alpha Radar Sell · Power 42 · $3.1B mcap · 10M float · 5.88% daily turnover · Short 64% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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.

NARROW EDGE
58.2 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 66.9%  ·  5Y Avg: -36.5%
Cost Advantage ★
74
Intangibles
58
Switching Cost
52
Network Effect
73
Scale
33
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. DAVE has a Narrow competitive edge (58.2/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 66.9% 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
$332
Low
$337
Avg Target
$342
High
Based on 2 analysts since May 5, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 10Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$337.00
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-05-06 Lake Street Jacob Stephan $308 $332 +24 +33.8% $248.16
2026-05-06 Canaccord Genuity — $274 $342 +68 +29.6% $263.81
2026-01-13 Coker Palmer Mark Palmer $229 $345 +116 +60.6% $214.87
2025-11-05 Canaccord Genuity — $130 $274 +144 +18.8% $230.57
2025-11-05 Lake Street — $118 $308 +190 +34.2% $229.50
2025-11-05 JMP Securities Devin Ryan $280 $310 +30 +32.2% $234.58
2025-10-01 Benchmark Co. — Initiated $320 — +60.5% $199.35
2025-09-26 J.P. Morgan — Initiated $300 — +37.6% $218.10
2025-08-07 JMP Securities Devin Ryan $260 $280 +20 +45.4% $192.53
2025-07-14 JMP Securities Devin Ryan Initiated $260 — +21.5% $214.05
2025-05-20 Coker Palmer Mark Palmer Initiated $229 — +16.8% $196.04
2025-03-05 Lake Street — $53 $118 +65 +29.1% $91.42
2025-03-05 Canaccord Genuity — Initiated $130 — +42.2% $91.42
2025-03-03 Barrington — $45 $110 +65 +15.8% $95.03
2025-01-31 Jefferies Christopher LeFemina $5 $93 +88 -6.4% $99.34
2024-12-11 Truist Financial Jake Bartlett Initiated $36 — -59.4% $88.66
2024-07-26 Lake Street Jacob Stephan Initiated $53 — +53.5% $34.53
2024-07-26 Loop Capital Markets Jacob Stephan Initiated $53 — +56.8% $33.80
2024-06-17 Seaport Global Jeff Cantwell Initiated $58 — +55.0% $37.41
2024-04-23 Barrington Dave to Outperform Initiated $45 — +15.4% $38.98
2022-04-25 Jefferies — Initiated $5 — -96.5% $141.76

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
3
ROE
5
ROA
5
D/E
1
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. DAVE receives an overall rating of B+. Strongest factors: ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5), P/B (1/5).
Rating Change History
DateFromTo
2026-04-01 A- B+
2026-03-20 B+ A-
2026-03-03 D+ B+
2026-03-02 B+ D+
2026-01-13 A- 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.

★ ★ ★ ★ ★ 93 Grade A+
Profitability
100
Balance Sheet
93
Earnings Quality
60
Growth
85
Value
67
Momentum
100
Safety
100
Cash Flow
100
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. DAVE scores highest in Safety (100/100) and lowest in Earnings Quality (60/100). An overall grade of A+ places DAVE 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
14.76
Safe Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗ ✓
Beneish M-Score
-3.37
Unlikely Manipulator
Ohlson O-Score
-14.58
Bankruptcy prob: 0.0%
Low Risk
Credit Rating
AAA
Score: 95.1/100
Trend: Improving
Earnings Quality
75/100
OCF/NI: 1.45x
Accruals: -25.9%
The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. DAVE scores 14.76, placing it in the Safe Zone (safe > 2.99, distress < 1.81). 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. DAVE 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. DAVE's score of -3.37 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. DAVE'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. DAVE receives an estimated rating of AAA (score: 95.1/100), 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). DAVE'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
13.64x
PEG
0.04x
P/S
5.08x
P/B
15.06x
P/FCF
7.68x
P/OCF
7.67x
EV/EBITDA
11.45x
EV/Revenue
4.14x
EV/EBIT
11.84x
EV/FCF
7.66x
Earnings Yield
8.98%
FCF Yield
13.02%
Shareholder Yield
9.38%
Graham Number
$92.80
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 13.6x earnings, DAVE trades at a reasonable valuation. An earnings yield of 9.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $92.80 per share, 146% below the current price.

DuPont Decomposition (5-Factor)

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

Tax Burden
1.101
NI / EBT
×
Interest Burden
0.967
EBT / EBIT
×
EBIT Margin
0.350
EBIT / Rev
×
Asset Turnover
1.537
Rev / Assets
×
Equity Multiplier
1.468
Assets / Equity
=
ROE
84.0%
The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. DAVE's ROE of 84.0% is driven by Asset Turnover (1.537), indicating efficient use of assets to generate revenue. A tax burden ratio of 1.10 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.

Adj. Growth Rate
336.38%
Fair P/E
681.26x
Intrinsic Value
$10644.45
Price/Value
0.02x
Margin of Safety
98.36%
Premium
-98.36%
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 DAVE's realized 336.4% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $10644.45, DAVE appears undervalued with a 98% margin of safety. The adjusted fair P/E of 681.3x compares to the current market P/E of 13.6x.

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 1276 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$228.46
Median 1Y
$136.87
5th Pctile
$29.93
95th Pctile
$625.20
Ann. Volatility
95.4%
Analyst Target
$337.00
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
Jason Wilk
Chief Executive Officer
 $563,462 $8,480,566 $10,208,028
Kyle Beilman Financial
ancial Officer and Chief Operating Officer and Secretary
 $466,346 $4,461,724 $5,654,570

CEO Pay Ratio

Insufficient data for pay ratio.

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
280
+2.2% YoY
Revenue / Employee
$1,828,250
Rev: $511,910,000
Profit / Employee
$699,518
NI: $195,865,000
SGA / Employee
—
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 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 -1.7% -17.6% -61.8% -1.5% -1.9% -2.8% -1.8% -1.5% -1.5% -96.6% -50.1% -0.3% 29.7% 42.6% 42.8% 38.8% 40.8% 1.1% 73.1% 84.0% 83.98%
ROA -1.1% -11.5% -16.3% -38.5% -74.2% -1.1% -55.0% -47.0% -45.1% -30.0% -15.8% -0.1% 9.3% 13.4% 19.5% 17.7% 18.6% 49.5% 49.8% 57.2% 57.19%
ROIC 20.4% -16.6% -0.4% -25.3% -92.8% -1.2% -1.1% -1.1% -77.7% -45.4% -22.2% 1.0% 10.8% 13.1% 19.7% 35.3% 51.3% 1.0% 62.6% 66.9% 66.89%
ROCE -12.0% -25.8% -35.7% -75.5% -99.1% -1.5% -42.0% -35.0% -33.1% -20.5% -13.6% 5.3% 15.0% 19.4% 25.9% 24.3% 26.9% 48.6% 46.9% 56.6% 56.59%
Gross Margin 58.7% 46.2% 66.2% 42.6% -2.0% 40.5% 49.0% 46.6% 49.1% 89.3% 89.7% 89.5% 90.3% 90.7% 93.8% 93.4% 86.9% 72.4% 87.9% 86.9% 86.93%
Operating Margin 23.2% -39.0% 16.1% -53.3% -1.2% -66.8% -33.4% -21.2% -34.2% 0.0% 2.4% 7.3% 7.1% 2.8% 20.8% 32.6% 31.2% 30.5% 39.4% 37.6% 37.60%
Net Margin -2.3% -19.6% -36.9% -77.1% -59.2% -83.6% -36.1% -23.8% -36.9% -18.3% 0.2% 46.5% 7.9% 0.5% 16.7% 26.7% 6.9% 61.1% 40.3% 36.6% 36.57%
EBITDA Margin -16.7% -15.9% -35.3% -71.0% -50.5% -72.6% -28.8% -16.7% -30.0% -11.5% 6.5% 56.2% 10.4% 5.0% 21.5% 34.4% 11.3% 41.2% 41.6% 46.4% 46.41%
FCF Margin -9.5% -0.6% 15.8% -13.2% -20.1% -28.8% -38.7% -21.9% -10.5% 2.1% 9.7% 18.6% 23.8% 28.6% 33.9% 37.9% 43.2% 48.2% 52.0% 54.0% 54.00%
OCF Margin -9.4% 1.8% 19.4% -9.0% -14.8% -23.8% -34.1% -17.8% -6.6% 5.8% 13.0% 21.6% 26.4% 31.0% 36.1% 39.9% 44.4% 48.5% 52.3% 54.1% 54.05%
ROE 3Y Avg snapshot only 30.71%
ROE 5Y Avg snapshot only -31.54%
ROA 3Y Avg snapshot only 21.20%
ROIC 3Y Avg snapshot only 32.99%
ROIC Economic snapshot only 55.88%
Cash ROA snapshot only 67.05%
Cash ROIC snapshot only 94.07%
CROIC snapshot only 93.98%
NOPAT Margin snapshot only 38.44%
Pretax Margin snapshot only 33.79%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 31.67%
SBC / Revenue snapshot only 4.88%
Valuation
Metric Trend 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 -4258.20 -421.17 -159.24 -46.76 -3.09 -1.10 -0.85 -0.65 -0.60 -1.06 -2.17 -1961.98 14.29 13.50 21.67 23.09 70.87 19.73 16.33 11.14 13.642
P/S Ratio 98.82 47.61 32.15 16.47 1.51 0.73 0.53 0.33 0.27 0.30 0.41 1.78 1.40 1.74 3.61 3.17 9.02 5.89 5.77 4.15 5.080
P/B Ratio 73.81 73.96 98.43 68.50 6.62 3.49 1.03 0.67 0.59 0.70 1.21 5.61 4.71 6.39 6.85 6.61 21.34 15.81 9.07 7.11 15.062
P/FCF -1045.49 -8228.85 203.22 -125.15 -7.53 -2.52 -1.38 -1.49 -2.56 14.05 4.18 9.57 5.90 6.10 10.67 8.37 20.89 12.23 11.09 7.68 7.678
P/OCF — 2612.71 166.01 — — — — — — 5.23 3.12 8.28 5.30 5.62 10.02 7.96 20.32 12.14 11.03 7.67 7.671
EV/EBITDA -588.25 -291.00 -141.68 -46.85 -3.90 -1.55 -0.86 -0.64 -0.57 -1.14 -4.21 25.40 9.29 9.85 16.30 16.66 49.65 21.21 17.52 11.45 11.446
EV/Revenue 98.38 47.40 32.44 16.67 1.71 0.90 0.47 0.26 0.21 0.25 0.50 1.88 1.49 1.82 3.57 3.14 8.99 5.86 5.76 4.14 4.137
EV/EBIT -583.98 -272.71 -137.08 -45.33 -3.72 -1.46 -0.80 -0.58 -0.52 -1.03 -3.57 36.29 10.82 11.18 18.13 18.60 54.77 22.43 18.24 11.84 11.837
EV/FCF -1040.85 -8192.36 205.00 -126.73 -8.51 -3.14 -1.21 -1.20 -2.00 11.44 5.19 10.07 6.26 6.38 10.54 8.27 20.81 12.17 11.07 7.66 7.662
Earnings Yield -0.0% -0.2% -0.6% -2.1% -32.4% -90.7% -1.2% -1.5% -1.7% -94.7% -46.1% -0.1% 7.0% 7.4% 4.6% 4.3% 1.4% 5.1% 6.1% 9.0% 8.98%
FCF Yield -0.1% -0.0% 0.5% -0.8% -13.3% -39.7% -72.3% -67.2% -39.0% 7.1% 23.9% 10.4% 16.9% 16.4% 9.4% 11.9% 4.8% 8.2% 9.0% 13.0% 13.02%
PEG Ratio snapshot only 0.044
Price/Tangible Book snapshot only 7.394
EV/OCF snapshot only 7.655
EV/Gross Profit snapshot only 4.951
Acquirers Multiple snapshot only 11.853
Shareholder Yield snapshot only 9.38%
Graham Number snapshot only $92.80
Leverage & Solvency
Metric Trend 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 2.87 2.87 1.46 1.46 1.46 1.46 8.47 8.47 8.47 8.47 10.81 10.81 10.81 10.81 8.05 8.05 8.05 8.05 3.83 3.83 3.831
Quick Ratio 2.87 2.87 1.46 1.46 1.46 1.46 8.47 8.47 8.47 8.47 10.81 10.81 10.81 10.81 8.05 8.05 8.05 8.05 3.83 3.83 3.831
Debt/Equity 0.12 0.12 1.90 1.90 1.90 1.90 1.67 1.67 1.67 1.67 2.08 2.08 2.08 2.08 0.41 0.41 0.41 0.41 0.21 0.21 0.213
Net Debt/Equity -0.33 -0.33 0.86 0.86 0.86 0.86 -0.13 -0.13 -0.13 -0.13 0.29 0.29 0.29 0.29 -0.08 -0.08 -0.08 -0.08 -0.02 -0.02 -0.015
Debt/Assets 0.08 0.08 0.50 0.50 0.50 0.50 0.55 0.55 0.55 0.55 0.62 0.62 0.62 0.62 0.25 0.25 0.25 0.25 0.15 0.15 0.154
Debt/EBITDA -0.98 -0.48 -2.71 -1.28 -0.99 -0.67 -1.59 -1.95 -2.06 -3.37 -5.85 8.96 3.87 3.07 0.99 1.05 0.96 0.56 0.41 0.34 0.344
Net Debt/EBITDA 2.63 1.30 -1.23 -0.58 -0.45 -0.31 0.12 0.15 0.16 0.26 -0.82 1.25 0.54 0.43 -0.19 -0.21 -0.19 -0.11 -0.03 -0.02 -0.024
Interest Coverage -12.35 -11.06 -10.72 -14.21 -13.07 -15.13 -13.06 -9.48 -8.40 -4.90 -3.11 1.28 4.02 5.83 8.55 8.54 9.68 17.92 24.86 30.13 30.130
Equity Multiplier 1.53 1.53 3.80 3.80 3.80 3.80 3.02 3.02 3.02 3.02 3.38 3.38 3.38 3.38 1.63 1.63 1.63 1.63 1.38 1.38 1.382
Cash Ratio snapshot only 0.706
Debt Service Coverage snapshot only 31.159
Cash to Debt snapshot only 1.071
FCF to Debt snapshot only 4.342
Defensive Interval snapshot only 99.9 days
Efficiency & Turnover
Metric Trend 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 0.49 1.01 0.81 1.09 1.52 1.67 0.87 0.94 1.01 1.05 0.84 0.89 0.95 1.04 1.17 1.29 1.46 1.66 1.41 1.54 1.537
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 0.96 2.00 2.42 3.29 3.87 4.25 2.67 2.89 3.09 3.21 2.39 2.52 2.70 2.94 2.40 2.64 3.00 3.40 6.30 6.88 6.876
Payables Turnover 1.81 4.36 3.90 5.78 9.91 11.04 11.07 11.64 10.37 8.19 9.14 6.33 3.56 3.74 4.96 4.86 6.41 11.80 11.34 13.14 13.142
DSO 380 183 151 111 94 86 137 126 118 114 153 145 135 124 152 138 122 107 58 53 53.1 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 202 84 94 63 37 33 33 31 35 45 40 58 103 98 74 75 57 31 32 28 27.8 days
Cash Conversion Cycle 178 99 57 48 58 53 104 95 83 69 113 87 33 26 78 63 65 76 26 25 25.3 days
Fixed Asset Turnover snapshot only 903.762
Cash Velocity snapshot only 7.509
Capital Intensity snapshot only 0.806
Growth (YoY)
Metric Trend 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 — — — — 3.6% 1.4% 72.7% 37.2% 39.4% 31.8% 26.5% 23.8% 23.7% 30.0% 34.0% 39.3% 48.0% 53.8% 59.7% 58.5% 58.52%
Net Income — — — — -95.1% -13.0% -4.4% -94.1% -27.3% 42.7% 62.4% 99.8% 1.3% 1.6% 2.2% 211.6% 91.9% 2.6% 2.4% 3.3% 3.29%
EPS — — — — -94.9% -12.8% -4.3% -89.7% -24.7% 43.7% 64.6% 99.8% 1.2% 1.5% 2.0% 190.1% 78.6% 2.4% 2.4% 3.4% 3.36%
FCF — — — — -8.7% -118.8% -5.2% -1.3% 27.4% 1.1% 1.3% 2.1% 3.8% 16.3% 3.7% 1.8% 1.7% 1.6% 1.5% 1.3% 1.26%
EBITDA — — — — -10.9% -7.6% -3.1% -59.3% -16.6% 51.5% 72.3% 1.2% 1.5% 2.1% 3.5% 2.5% 67.1% 1.3% 1.4% 2.0% 2.04%
Op. Income — — — — -10.8% -14.2% -332.8% -4.3% -7.7% 50.2% 76.3% 88.9% 1.1% 1.3% 2.1% 5.7% 6.8% 8.3% 4.4% 2.3% 2.28%
OCF Growth snapshot only 1.15%
Asset Growth snapshot only 62.84%
Equity Growth snapshot only 92.64%
Debt Growth snapshot only -0.46%
Shares Change snapshot only -1.69%
Growth (CAGR)
Metric Trend 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 — — — — — — — — — — — — 98.8% 60.4% 43.0% 33.3% 36.7% 38.2% 39.4% 39.8% 39.83%
Revenue 5Y — — — — — — — — — — — — — — — — — — — — —
EPS 3Y — — — — — — — — — — — — — — — — — — — — —
EPS 5Y — — — — — — — — — — — — — — — — — — — — —
Net Income 3Y — — — — — — — — — — — — — — — — — — — — —
Net Income 5Y — — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y — — — — — — — — — — — — — — — — — — — — —
EBITDA 5Y — — — — — — — — — — — — — — — — — — — — —
Gross Profit 3Y — — — — — — — — — — — — 1.3% 92.4% 67.3% 60.0% 84.2% 83.8% 89.0% 85.8% 85.82%
Gross Profit 5Y — — — — — — — — — — — — — — — — — — — — —
Op. Income 3Y — — — — — — — — — — — — 14.1% — — — — — — — —
Op. Income 5Y — — — — — — — — — — — — — — — — — — — — —
FCF 3Y — — — — — — — — — — — — — — 84.4% — — — — — —
FCF 5Y — — — — — — — — — — — — — — — — — — — — —
OCF 3Y — — — — — — — — — — — — — 3.1% 76.0% — — — — — —
OCF 5Y — — — — — — — — — — — — — — — — — — — — —
Assets 3Y — — — — — — — — — — — — 56.7% 56.7% 26.7% 26.7% 26.7% 26.7% 14.9% 14.9% 14.88%
Assets 5Y — — — — — — — — — — — — — — — — — — — — —
Equity 3Y — — — — — — — — — — — — 20.4% 20.4% 67.8% 67.8% 67.8% 67.8% 49.0% 49.0% 49.03%
Book Value 3Y — — — — — — — — — — — — 14.5% 13.4% 56.2% 55.3% 55.8% 56.4% 39.3% 39.7% 39.73%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend 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 — — — — — — — — 0.97 0.97 0.98 1.00 0.96 0.98 0.99 0.97 0.95 0.93 0.91 0.91 0.914
Earnings Stability — — — — — — — — 0.90 0.29 0.05 0.26 0.02 0.13 0.30 0.65 0.25 0.52 0.65 0.80 0.795
Margin Stability — — — — — — — — 0.77 0.76 0.66 0.60 0.60 0.62 0.62 0.61 0.57 0.63 0.63 0.65 0.652
Rev. Growth Consistency 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 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
Earn. Growth Consistency 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
FCF Positive Streak 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1
Earnings Persistence — — — — — — — — 0.89 0.83 0.50 0.50 0.20 0.20 0.20 0.20 0.50 0.50 0.50 0.50 0.500
Earnings Smoothness — — — — — — — — — — — — — — — — 0.37 0.00 0.00 0.00 0.000
ROE Trend — — — — — — — — 0.09 1.01 0.36 1.25 1.90 2.39 1.20 0.80 0.63 0.89 0.68 0.50 0.496
Gross Margin Trend — — — — — — — — -0.02 0.15 0.25 0.36 0.48 0.42 0.39 0.34 0.23 0.11 0.04 -0.03 -0.028
FCF Margin Trend — — — — — — — — 0.04 0.17 0.21 0.36 0.39 0.42 0.48 0.40 0.37 0.33 0.30 0.26 0.257
Sustainable Growth Rate — — — — — — — — — — — — 29.7% 42.6% 42.8% 38.8% 40.8% 1.1% 73.1% 84.0% 83.98%
Internal Growth Rate — — — — — — — — — — — — 10.3% 15.5% 24.2% 21.5% 22.8% 97.9% 99.2% 1.3% 1.34%
Cash Flow Quality
Metric Trend 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 4.05 -0.16 -0.96 0.26 0.30 0.36 0.54 0.36 0.15 -0.20 -0.70 -237.06 2.69 2.40 2.16 2.90 3.49 1.63 1.48 1.45 1.453
FCF/OCF 1.01 -0.32 0.82 1.46 1.36 1.21 1.13 1.23 1.60 0.37 0.75 0.86 0.90 0.92 0.94 0.95 0.97 0.99 0.99 1.00 0.999
FCF/Net Income snapshot only 1.451
OCF/EBITDA snapshot only 1.495
CapEx/Revenue 0.0% 2.4% 3.5% 4.2% 5.3% 5.0% 4.5% 4.1% 3.9% 3.6% 3.3% 2.9% 2.7% 2.4% 2.2% 1.9% 1.2% 0.3% 0.3% 0.0% 0.05%
CapEx/Depreciation snapshot only 0.041
Accruals Ratio 0.03 -0.13 -0.32 -0.29 -0.52 -0.70 -0.25 -0.30 -0.38 -0.36 -0.27 -0.19 -0.16 -0.19 -0.23 -0.34 -0.46 -0.31 -0.24 -0.26 -0.259
Sloan Accruals snapshot only 0.174
Cash Flow Adequacy snapshot only 1092.983
Earnings Quality Score snapshot only 0.750
Dividends & Buybacks
Metric Trend 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 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Dividend/Share $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Payout Ratio — — — — — — — — — — — — 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
FCF Payout Ratio — — 0.0% — — — — — — 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Total Payout Ratio — — — — — — — — — — — — 0.0% 0.0% 0.0% 13.1% 12.5% 21.7% 19.4% 1.0% 1.05%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 0.0% 0.0% 0.0% 0.1% 0.6% 1.2% 0.5% 1.4% 1.6% 1.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.6% 0.2% 1.1% 1.2% 9.4% 9.38%
Net Buyback Yield -0.0% -0.0% -0.0% -7.2% -75.4% -1.4% -1.8% 1.4% 1.6% 1.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.6% 0.2% 1.1% 1.2% 9.4% 9.36%
Total Shareholder Return -0.0% -0.0% -0.0% -7.2% -75.4% -1.4% -1.8% 1.4% 1.6% 1.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.6% 0.2% 1.1% 1.2% 9.4% 9.36%
DuPont Factors
Metric Trend 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) 1.02 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 -0.08 0.95 0.96 0.96 0.92 0.87 1.21 1.17 1.10 1.101
Interest Burden (EBT/EBIT) 0.14 0.65 0.85 0.96 1.06 1.06 1.08 1.11 1.12 1.20 1.32 0.22 0.75 0.83 0.88 0.88 0.90 0.94 0.96 0.97 0.967
EBIT Margin -0.17 -0.17 -0.24 -0.37 -0.46 -0.62 -0.58 -0.45 -0.40 -0.24 -0.14 0.05 0.14 0.16 0.20 0.17 0.16 0.26 0.32 0.35 0.350
Asset Turnover 0.49 1.01 0.81 1.09 1.52 1.67 0.87 0.94 1.01 1.05 0.84 0.89 0.95 1.04 1.17 1.29 1.46 1.66 1.41 1.54 1.537
Equity Multiplier 1.53 1.53 3.80 3.80 2.52 2.52 3.23 3.23 3.23 3.23 3.18 3.18 3.18 3.18 2.20 2.20 2.20 2.20 1.47 1.47 1.468
Per Share
Metric Trend 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) $-0.07 $-0.75 $-2.06 $-4.89 $-7.13 $-10.42 $-10.93 $-9.28 $-8.89 $-5.87 $-3.87 $-0.02 $2.12 $2.96 $4.01 $3.58 $3.79 $10.10 $13.56 $15.62 $15.62
Book Value/Share $4.29 $4.29 $3.33 $3.34 $3.33 $3.29 $9.03 $8.98 $8.97 $8.91 $6.94 $6.62 $6.43 $6.25 $12.69 $12.50 $12.58 $12.61 $24.42 $24.50 $15.17
Tangible Book/Share $3.90 $3.90 $2.66 $2.66 $2.65 $2.63 $8.17 $8.12 $8.11 $8.06 $5.89 $5.61 $5.45 $5.30 $11.75 $11.57 $11.64 $11.67 $23.48 $23.55 $23.55
Revenue/Share $3.20 $6.66 $10.20 $13.89 $14.58 $15.84 $17.35 $18.63 $19.91 $20.53 $20.65 $20.81 $21.61 $22.92 $24.06 $26.04 $29.76 $33.82 $38.37 $41.99 $45.00
FCF/Share $-0.30 $-0.04 $1.61 $-1.83 $-2.93 $-4.56 $-6.71 $-4.07 $-2.08 $0.44 $2.01 $3.88 $5.14 $6.55 $8.15 $9.88 $12.85 $16.30 $19.96 $22.67 $24.30
OCF/Share $-0.30 $0.12 $1.98 $-1.25 $-2.16 $-3.77 $-5.92 $-3.31 $-1.30 $1.19 $2.69 $4.49 $5.71 $7.11 $8.67 $10.38 $13.21 $16.42 $20.08 $22.70 $24.32
Cash/Share $1.93 $1.93 $3.46 $3.47 $3.46 $3.42 $16.27 $16.18 $16.15 $16.05 $12.43 $11.85 $11.51 $11.19 $6.26 $6.16 $6.20 $6.22 $5.58 $5.59 $9.92
EBITDA/Share $-0.54 $-1.08 $-2.34 $-4.95 $-6.38 $-9.27 $-9.47 $-7.70 $-7.29 $-4.42 $-2.47 $1.54 $3.46 $4.24 $5.27 $4.90 $5.39 $9.35 $12.62 $15.18 $15.18
Debt/Share $0.53 $0.53 $6.33 $6.35 $6.33 $6.26 $15.10 $15.01 $14.99 $14.90 $14.45 $13.78 $13.39 $13.01 $5.24 $5.16 $5.19 $5.20 $5.21 $5.22 $5.22
Net Debt/Share $-1.41 $-1.41 $2.87 $2.88 $2.87 $2.84 $-1.17 $-1.16 $-1.16 $-1.16 $2.02 $1.93 $1.87 $1.82 $-1.02 $-1.01 $-1.01 $-1.01 $-0.37 $-0.37 $-0.37
Academic Models
Metric Trend 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 Z-Score — — — — — — — — — — — — — — — — — — — — 14.757
Altman Z-Prime snapshot only 27.089
Piotroski F-Score 1 3 3 2 3 3 4 4 5 6 6 6 7 7 7 7 6 6 6 7 7
Beneish M-Score — — — — -18.88 -3.14 -2.61 -2.85 -3.63 -3.18 -3.69 -3.35 -3.13 -3.06 -3.06 -3.53 -4.01 -3.23 -3.15 -3.37 -3.373
Ohlson O-Score snapshot only -14.581
ROIC (Greenblatt) snapshot only 65.35%
Net-Net WC snapshot only $20.97
EVA snapshot only $197649132.21
Credit
Metric Trend 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 AAA
Credit Score 58.64 61.90 54.54 48.92 24.39 20.51 31.17 30.78 30.85 32.28 34.24 46.27 61.07 67.53 86.77 84.60 86.43 92.48 95.00 95.10 95.095
Credit Grade snapshot only 1
Credit Trend snapshot only 10.496
Implied Spread (bps) snapshot only 50.000
Industry Credit Rank snapshot only 89
Sector Credit Rank snapshot only 87

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