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ECPG NASDAQ

Encore Capital Group, Inc.
1W: -0.2% 1M: -2.2% 3M: +39.6% YTD: +45.9% 1Y: +105.1% 3Y: +81.8% 5Y: +88.7%
$80.20
-1.37 (-1.68%)
After Hours: $81.20 (+1.00, +1.25%)
Weekly Expected Move ±3.8%
$75 $79 $82 $85 $88
NASDAQ · Financial Services · Financial - Mortgages · Alpha Radar Neutral · Power 51 · $1.7B mcap · 21M float · 1.70% daily turnover · Short 34% 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.

WEAK EDGE
52.9 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: 10.5%  ·  5Y Avg: 2.7%
Cost Advantage
63
Intangibles
47
Switching Cost
39
Network Effect
65
Scale
60
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. ECPG shows a Weak competitive edge (52.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 10.5% 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
$0
Low
$100
Avg Target
$100
High
Based on 2 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 12Hold: 3Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$100.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-04-21 Truist Financial Mark Hughes Initiated $100 — +20.6% $82.91
2026-01-22 Northland Securities — $58 $70 +12 +22.8% $56.98
2024-10-17 Northland Securities Mike Grondahl Initiated $58 — +24.2% $46.70

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
1
ROE
5
ROA
5
D/E
1
P/E
4
P/B
2
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. ECPG receives an overall rating of B+. Strongest factors: ROE (5/5), ROA (5/5), P/E (4/5). Areas of concern: DCF (1/5), D/E (1/5), P/B (2/5).
Rating Change History
DateFromTo
2026-04-13 A- B+
2026-04-10 B+ A-
2026-04-10 A- B+
2026-04-06 B+ A-
2026-04-01 A- B+
2026-04-01 B A-
2026-03-31 B+ B
2026-03-31 B B+
2026-03-24 B+ B
2026-03-04 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.

★ ★ ★ ★ ★ 52 Grade C
Profitability
80
Balance Sheet
22
Earnings Quality
77
Growth
79
Value
79
Momentum
81
Safety
100
Cash Flow
52
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. ECPG scores highest in Safety (100/100) and lowest in Balance Sheet (22/100). 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-B Score
5.74
Safe Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✗ ✓ ✓ ✓ ✗ ✓
Beneish M-Score
-2.88
Unlikely Manipulator
Ohlson O-Score
-6.29
Bankruptcy prob: 0.2%
Low Risk
Credit Rating
AA
Score: 86.6/100
Trend: Improving
Earnings Quality
50/100
OCF/NI: 0.64x
Accruals: 2.1%
The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. ECPG scores 5.74, 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. ECPG 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. ECPG's score of -2.88 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. ECPG's implied 0.2% 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. ECPG receives an estimated rating of AA (score: 86.6/100), 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). ECPG's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

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

P/E
5.89x
PEG
0.00x
P/S
0.93x
P/B
1.69x
P/FCF
9.42x
P/OCF
8.23x
EV/EBITDA
7.86x
EV/Revenue
3.00x
EV/EBIT
8.19x
EV/FCF
33.35x
Earnings Yield
18.93%
FCF Yield
10.61%
Shareholder Yield
6.42%
Graham Number
$114.32
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 5.9x earnings, ECPG trades at a deep value multiple. An earnings yield of 18.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $114.32 per share, suggesting a potential 43% 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
0.765
NI / EBT
×
Interest Burden
0.573
EBT / EBIT
×
EBIT Margin
0.366
EBIT / Rev
×
Asset Turnover
0.365
Rev / Assets
×
Equity Multiplier
5.808
Assets / Equity
=
ROE
34.0%
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. ECPG's ROE of 34.0% is driven by financial leverage (equity multiplier: 5.81x). Note: high leverage means ROE is amplified by debt rather than operational performance.

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
106.79%
Fair P/E
222.08x
Intrinsic Value
$2947.96
Price/Value
0.02x
Margin of Safety
97.62%
Premium
-97.62%
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 ECPG's realized 106.8% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $2947.96, ECPG appears undervalued with a 98% margin of safety. The adjusted fair P/E of 222.1x compares to the current market P/E of 5.9x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$80.20
Median 1Y
$82.02
5th Pctile
$35.05
95th Pctile
$190.92
Ann. Volatility
51.5%
Analyst Target
$100.00
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
Ashish Masih
President and Chief Executive Officer
 $923,005 $4,863,999 $8,106,453
John Yung President,
International and Cabot Credit Management
 $531,667 $1,007,189 $3,170,523
Tomas Hernanz President,
Vice President, Chief Financial Officer and Treasurer
 $472,194 $911,272 $2,972,786
Ryan B. Bell
President, Midland Credit Management
 $566,339 $1,055,163 $2,777,647
Andrew E. Asch
Senior Vice President, General Counsel and Secretary
 $453,535 $599,475 $1,611,088
Jonathan C. Clark
Former Executive Vice President, Chief Financial Officer and Treasurer
 $171,763 $— $182,263

CEO Pay Ratio

359:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $8,106,453
Avg Employee Cost (SGA/emp): $22,578
Employees: 7,350

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
7,350
0.0% YoY
Revenue / Employee
$239,798
Rev: $1,762,518,000
Profit / Employee
$34,943
NI: $256,834,000
SGA / Employee
$22,578
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 25.3% 27.9% 29.2% 35.9% 32.9% 28.6% 16.5% 3.2% 0.3% -0.7% -19.5% -19.1% -18.5% -17.5% -16.3% -13.6% -10.5% -5.3% 29.5% 34.0% 33.98%
ROA 5.8% 6.4% 7.4% 9.1% 8.4% 7.3% 4.3% 0.8% 0.1% -0.2% -4.5% -4.4% -4.3% -4.0% -3.0% -2.5% -1.9% -1.0% 5.1% 5.8% 5.85%
ROIC 11.0% 11.5% 12.8% 14.5% 13.2% 11.5% 7.3% 2.4% 0.3% -1.1% 0.3% 0.6% 0.8% 1.4% 2.9% 3.8% 4.7% -12.0% 9.7% 10.5% 10.51%
ROCE 13.2% 13.8% 15.3% 17.8% 16.6% 14.9% 10.6% 6.0% 5.2% 5.2% 0.1% 0.5% 0.9% 1.5% 3.2% 4.1% 5.3% 6.7% 11.6% 12.7% 12.67%
Gross Margin 58.3% 58.6% 55.0% 67.5% 54.1% 51.3% 34.9% 46.9% 49.4% 48.5% 41.4% 48.1% 49.8% 62.0% 31.5% 73.0% 73.4% 55.7% 93.5% 69.5% 69.53%
Operating Margin 40.7% 40.4% 34.7% 53.0% 33.3% 26.2% -1.0% 22.4% 27.3% 24.4% -78.3% 25.5% 28.7% 28.9% -50.5% 32.9% 34.1% 37.6% 36.6% 38.7% 38.69%
Net Margin 22.6% 20.3% 21.3% 35.2% 16.9% 10.2% -31.2% 6.0% 8.1% 6.2% -97.6% 7.1% 9.1% 8.3% -84.8% 11.9% 13.3% 16.2% 16.2% 18.2% 18.24%
EBITDA Margin 40.5% 38.6% 36.9% 54.7% 36.1% 29.2% 3.5% 25.1% 28.9% 28.5% -76.6% 27.7% 30.3% 31.1% -51.3% 34.4% 35.7% 38.6% 38.0% 40.0% 40.00%
FCF Margin 13.5% 14.6% 16.7% 14.8% 13.4% 14.2% 12.4% 13.0% 11.9% 11.8% 8.3% 9.2% 9.5% 8.6% 9.6% 8.8% 6.5% 8.4% 7.2% 9.0% 8.98%
OCF Margin 15.5% 16.8% 18.8% 17.0% 15.5% 16.2% 15.1% 15.9% 14.8% 14.6% 12.5% 13.6% 13.9% 12.8% 11.9% 10.9% 8.5% 10.2% 8.7% 10.3% 10.29%
ROE 3Y Avg snapshot only -2.10%
ROE 5Y Avg snapshot only 6.66%
ROA 3Y Avg snapshot only -0.41%
ROIC 3Y Avg snapshot only 1.55%
ROIC Economic snapshot only 10.26%
Cash ROA snapshot only 3.56%
Cash ROIC snapshot only 3.84%
CROIC snapshot only 3.35%
NOPAT Margin snapshot only 28.14%
Pretax Margin snapshot only 20.95%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 6.76%
SBC / Revenue snapshot only 0.80%
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 5.26 4.95 5.32 3.99 3.85 3.43 5.80 33.61 356.97 -131.61 -5.83 -5.53 -5.13 -6.25 -8.19 -7.19 -10.24 -21.75 4.82 5.28 5.894
P/S Ratio 0.91 0.94 1.16 1.02 0.94 0.77 0.81 1.04 1.00 0.99 0.99 0.90 0.79 0.87 0.87 0.60 0.62 0.63 0.70 0.85 0.932
P/B Ratio 1.22 1.27 1.57 1.45 1.29 0.99 0.96 1.07 1.00 0.99 1.29 1.19 1.07 1.23 1.49 1.08 1.19 1.28 1.27 1.60 1.688
P/FCF 6.76 6.47 6.92 6.85 7.01 5.47 6.51 8.01 8.43 8.37 11.90 9.76 8.34 10.12 8.98 6.87 9.51 7.45 9.75 9.42 9.422
P/OCF 5.91 5.62 6.16 5.98 6.04 4.79 5.36 6.55 6.75 6.77 7.88 6.64 5.68 6.81 7.30 5.53 7.34 6.14 8.08 8.23 8.227
EV/EBITDA 7.94 7.68 7.30 6.14 6.25 6.39 7.76 13.14 14.58 14.61 91.54 71.27 56.10 43.06 26.15 19.51 16.18 13.32 8.01 7.86 7.862
EV/Revenue 2.81 2.83 2.89 2.67 2.66 2.62 2.78 3.31 3.34 3.32 3.57 3.45 3.28 3.25 3.50 3.12 2.99 2.85 2.95 3.00 2.997
EV/EBIT 8.62 8.36 7.92 6.59 6.74 6.92 8.63 15.69 17.78 17.80 734.40 200.98 107.44 63.67 32.04 22.82 18.33 14.67 8.38 8.19 8.190
EV/FCF 20.81 19.42 17.33 18.00 19.91 18.48 22.39 25.56 28.11 28.18 43.09 37.38 34.54 37.83 36.34 35.54 45.69 33.79 41.07 33.35 33.355
Earnings Yield 19.0% 20.2% 18.8% 25.1% 25.9% 29.2% 17.2% 3.0% 0.3% -0.8% -17.1% -18.1% -19.5% -16.0% -12.2% -13.9% -9.8% -4.6% 20.7% 18.9% 18.93%
FCF Yield 14.8% 15.5% 14.5% 14.6% 14.3% 18.3% 15.4% 12.5% 11.9% 11.9% 8.4% 10.2% 12.0% 9.9% 11.1% 14.6% 10.5% 13.4% 10.3% 10.6% 10.61%
PEG Ratio snapshot only 0.003
Price/Tangible Book snapshot only 3.553
EV/OCF snapshot only 29.123
EV/Gross Profit snapshot only 4.096
Acquirers Multiple snapshot only 8.144
Shareholder Yield snapshot only 6.42%
Graham Number snapshot only $114.32
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 0.33 0.33 0.35 0.35 0.35 0.35 0.78 0.78 0.78 0.78 0.95 0.95 0.95 0.95 1.05 1.05 1.05 1.05 595.09 595.09 595.093
Quick Ratio 0.33 0.33 0.35 0.35 0.35 0.35 0.78 0.78 0.78 0.78 0.95 0.95 0.95 0.95 1.05 1.05 1.05 1.05 595.09 595.09 595.093
Debt/Equity 2.70 2.70 2.53 2.53 2.53 2.53 2.46 2.46 2.46 2.46 3.54 3.54 3.54 3.54 4.79 4.79 4.79 4.79 4.23 4.23 4.231
Net Debt/Equity 2.54 2.54 2.37 2.37 2.37 2.37 2.34 2.34 2.34 2.34 3.37 3.37 3.37 3.37 4.53 4.53 4.53 4.53 4.07 4.07 4.070
Debt/Assets 0.67 0.67 0.65 0.65 0.65 0.65 0.64 0.64 0.64 0.64 0.72 0.72 0.72 0.72 0.77 0.77 0.77 0.77 0.77 0.77 0.774
Debt/EBITDA 5.69 5.44 4.68 4.06 4.32 4.80 5.79 9.49 10.74 10.80 69.59 55.31 44.69 33.12 20.82 16.65 13.55 10.98 6.35 5.86 5.863
Net Debt/EBITDA 5.36 5.12 4.39 3.80 4.05 4.50 5.51 9.02 10.21 10.27 66.27 52.67 42.56 31.54 19.69 15.74 12.81 10.38 6.11 5.64 5.641
Interest Coverage 2.72 3.03 3.48 4.36 4.27 3.87 3.00 1.58 1.27 1.21 0.03 0.10 0.18 0.29 0.56 0.70 0.85 1.05 2.19 2.36 2.358
Equity Multiplier 4.00 4.00 3.89 3.89 3.89 3.89 3.82 3.82 3.82 3.82 4.94 4.94 4.94 4.94 6.24 6.24 6.24 6.24 5.47 5.47 5.467
Cash Ratio snapshot only 488.424
Debt Service Coverage snapshot only 2.457
Cash to Debt snapshot only 0.038
FCF to Debt snapshot only 0.040
Defensive Interval snapshot only 103.7 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 0.33 0.34 0.34 0.36 0.34 0.32 0.31 0.27 0.26 0.26 0.27 0.27 0.28 0.29 0.28 0.29 0.31 0.33 0.35 0.37 0.365
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 45.59 45.84 65.70 69.07 66.19 61.92 72.26 62.59 60.84 60.94 97.14 98.39 100.95 105.52 0.70 0.73 0.78 0.82 0.93 0.97 0.970
Payables Turnover 6.34 6.36 — — — — — — — — 7.49 7.54 7.71 7.48 3.47 3.14 2.82 3.16 4.32 4.68 4.682
DSO 8 8 6 5 6 6 5 6 6 6 4 4 4 3 525 500 471 443 393 376 376.1 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 58 57 0 0 0 0 0 0 0 0 49 48 47 49 105 116 129 116 84 78 78.0 days
Cash Conversion Cycle -50 -49 6 5 6 6 5 6 6 6 -45 -45 -44 -45 420 384 341 327 309 298 298.2 days
Fixed Asset Turnover snapshot only 13.330
Cash Velocity snapshot only 11.793
Capital Intensity snapshot only 2.888
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 14.9% 11.8% 7.5% 4.2% -0.3% -7.2% -13.4% -28.6% -27.6% -22.5% -12.6% 2.2% 7.9% 12.6% 7.7% 11.5% 15.5% 17.5% 34.4% 33.9% 33.91%
Net Income 40.3% 43.4% 65.6% 36.3% 39.8% 10.2% -44.5% -91.3% -99.2% -1.0% -2.1% -6.4% -60.3% -19.9% 32.6% 42.7% 54.5% 75.6% 2.8% 3.6% 3.56%
EPS 40.9% 45.5% 75.4% 57.8% 66.3% 33.3% -29.2% -90.4% -99.1% -1.0% -2.1% -6.5% -60.7% -19.9% 32.9% 42.2% 53.5% 74.6% 2.9% 3.8% 3.78%
FCF -29.1% -10.3% -3.1% -10.2% -1.1% -9.7% -35.7% -37.6% -35.7% -35.5% -41.6% -27.2% -13.8% -18.0% 25.3% 5.9% -20.4% 15.6% -0.0% 37.1% 37.14%
EBITDA 14.5% 13.5% 25.9% 17.6% 20.2% 3.3% -21.8% -58.6% -61.1% -57.0% -90.5% -80.4% -72.5% -62.7% 2.7% 2.7% 2.7% 2.3% 2.7% 2.2% 2.19%
Op. Income 24.7% 21.2% 18.7% 11.5% 10.7% -7.1% -27.0% -63.4% -65.0% -60.7% -96.4% -88.8% -81.5% -67.9% 8.5% 5.8% 4.8% 3.3% 3.0% 2.3% 2.35%
OCF Growth snapshot only 26.43%
Asset Growth snapshot only 11.48%
Equity Growth snapshot only 27.29%
Debt Growth snapshot only 12.51%
Shares Change snapshot only -8.03%
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 7.8% 7.2% 5.8% 7.1% 5.6% 2.9% 0.0% -3.3% -6.0% -7.0% -6.6% -8.7% -8.0% -6.8% -6.6% -6.6% -3.4% 0.9% 8.1% 15.1% 15.14%
Revenue 5Y 7.1% 9.2% 9.4% 10.9% 9.9% 5.9% 3.3% -0.5% -2.0% -2.4% -2.1% -2.2% -1.6% -1.0% -1.2% 0.6% 0.7% 1.3% 3.3% 2.6% 2.56%
EPS 3Y 38.8% 54.3% 46.6% 50.9% 45.3% 34.7% 15.9% -24.3% -72.3% — — — — — — — — — 10.9% 1.1% 1.07%
EPS 5Y 40.0% 37.2% 31.7% 41.2% 44.1% 30.6% 21.3% -13.7% -47.4% — — — — — — — — — 11.1% 5.9% 5.92%
Net Income 3Y 47.1% 56.4% 44.7% 44.4% 37.1% 26.0% 5.0% -29.8% -74.6% — — — — — — — — — 9.7% 99.3% 99.27%
Net Income 5Y 45.6% 42.7% 35.6% 42.7% 44.1% 29.8% 18.5% -14.7% -48.2% — — — — — — — — — 3.9% -1.3% -1.34%
EBITDA 3Y 13.3% 17.6% 15.8% 19.8% 17.0% 11.9% 3.7% -7.8% -18.8% -20.4% -54.6% -54.3% -49.5% -45.0% -34.9% -33.1% -26.9% -18.8% 9.2% 32.2% 32.15%
EBITDA 5Y 15.8% 21.3% 18.2% 23.0% 22.6% 10.4% 6.7% -4.2% -7.4% -6.3% -35.0% -32.5% -29.7% -25.8% -17.0% -10.8% -11.7% -8.9% 5.1% 2.3% 2.35%
Gross Profit 3Y 9.5% 9.3% 7.8% 10.6% 9.0% 5.1% 0.7% -5.3% -11.3% -13.3% -11.9% -15.3% -13.3% -9.9% -11.4% -8.9% -1.6% 2.5% 19.4% 32.7% 32.70%
Gross Profit 5Y 8.2% 12.4% 12.7% 15.4% 14.5% 7.4% 4.2% -2.5% -4.9% -5.4% -5.0% -5.1% -4.3% -2.3% -3.1% 2.6% 3.3% 2.9% 9.5% 7.1% 7.14%
Op. Income 3Y 19.2% 21.4% 16.0% 19.5% 15.5% 9.4% 1.2% -11.3% -21.5% -23.8% -68.6% -64.2% -58.4% -51.0% -37.1% -34.7% -28.0% -18.5% 10.7% 36.5% 36.53%
Op. Income 5Y 20.1% 27.0% 21.3% 25.6% 24.8% 11.1% 7.3% -4.5% -8.1% -8.1% -47.3% -41.2% -36.9% -30.2% -18.8% -11.9% -12.4% -9.4% 3.3% 0.8% 0.77%
FCF 3Y 26.3% 26.8% 31.2% 24.6% 16.5% 2.0% -5.4% -16.3% -23.3% -19.5% -28.6% -25.8% -18.2% -21.8% -22.2% -21.6% -23.9% -15.1% -9.9% 1.9% 1.89%
FCF 5Y 20.1% 17.4% 22.3% 22.7% 12.8% 18.8% 12.6% 19.5% 5.1% 3.5% -3.2% -2.6% -2.6% -10.9% -9.2% -14.7% -20.9% -13.1% -14.5% -9.9% -9.94%
OCF 3Y 18.9% 19.2% 17.5% 13.6% 8.5% -2.3% -4.9% -14.2% -20.3% -16.7% -21.2% -18.6% -11.1% -14.9% -19.8% -19.5% -21.1% -13.4% -10.1% -0.3% -0.32%
OCF 5Y 16.8% 15.1% 18.4% 18.1% 10.6% 14.2% 11.2% 14.5% 3.1% 1.2% -3.9% -3.1% -2.2% -8.5% -8.6% -13.2% -18.5% -11.7% -13.3% -9.4% -9.37%
Assets 3Y 2.7% 2.7% -0.2% -0.2% -0.2% -0.2% -2.8% -2.8% -2.8% -2.8% -1.6% -1.6% -1.6% -1.6% 1.3% 1.3% 1.3% 1.3% 5.8% 5.8% 5.80%
Assets 5Y 2.9% 2.9% 4.7% 4.7% 4.7% 4.7% 0.1% 0.1% 0.1% 0.1% -0.0% -0.0% -0.0% -0.0% -0.5% -0.5% -0.5% -0.5% 1.9% 1.9% 1.88%
Equity 3Y 27.9% 27.9% 13.2% 13.2% 13.2% 13.2% 4.9% 4.9% 4.9% 4.9% -8.4% -8.4% -8.4% -8.4% -13.5% -13.5% -13.5% -13.5% -6.1% -6.1% -6.10%
Book Value 3Y 20.7% 26.2% 14.7% 18.2% 19.9% 21.0% 15.7% 13.1% 14.5% 14.6% 1.0% 0.0% 0.1% -0.4% -6.6% -9.8% -10.2% -10.6% -5.1% -2.6% -2.56%
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 0.93 0.98 0.96 0.93 0.94 0.82 0.52 0.08 0.00 0.01 0.08 0.15 0.16 0.19 0.25 0.05 0.04 0.00 0.06 0.04 0.044
Earnings Stability 0.95 0.91 0.87 0.80 0.96 0.95 0.56 0.09 0.02 0.00 0.16 0.19 0.32 0.41 0.52 0.45 0.58 0.61 0.15 0.17 0.169
Margin Stability 0.98 0.94 0.95 0.91 0.93 0.97 0.97 0.90 0.91 0.91 0.92 0.89 0.89 0.91 0.92 0.89 0.86 0.89 0.81 0.81 0.813
Rev. Growth Consistency 1.00 1.00 1.00 1.00 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 1.000
Earn. Growth Consistency 1.00 1.00 1.00 1.00 1.00 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 1.00 1.00 1.000
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.84 0.83 0.50 0.85 0.84 0.96 0.82 0.50 0.50 0.20 0.20 0.20 0.20 0.50 0.50 0.50 0.50 0.50 0.20 0.20 0.200
Earnings Smoothness 0.66 0.64 0.51 0.69 0.67 0.90 0.43 0.00 0.00 — — — — — — — — — — — —
ROE Trend 0.04 0.04 0.13 0.18 0.12 0.06 -0.07 -0.28 -0.28 -0.28 -0.45 -0.41 -0.38 -0.34 -0.15 -0.06 -0.01 0.04 0.46 0.49 0.486
Gross Margin Trend 0.02 0.01 0.03 0.06 0.04 0.02 -0.01 -0.12 -0.12 -0.12 -0.10 -0.07 -0.06 -0.01 -0.02 0.09 0.16 0.13 0.26 0.22 0.216
FCF Margin Trend -0.02 -0.02 0.00 -0.04 -0.04 -0.02 -0.05 -0.03 -0.02 -0.03 -0.06 -0.05 -0.03 -0.04 -0.01 -0.02 -0.04 -0.02 -0.02 -0.00 -0.000
Sustainable Growth Rate 25.3% 27.9% 29.2% 35.9% 32.9% 28.6% 16.5% 3.2% 0.3% — — — — — — — — — 29.5% 34.0% 33.98%
Internal Growth Rate 6.1% 6.8% 8.0% 10.0% 9.1% 7.8% 4.5% 0.8% 0.1% — — — — — — — — — 5.3% 6.2% 6.21%
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 0.89 0.88 0.86 0.67 0.64 0.72 1.08 5.13 52.85 -19.44 -0.74 -0.83 -0.90 -0.92 -1.12 -1.30 -1.39 -3.54 0.60 0.64 0.642
FCF/OCF 0.87 0.87 0.89 0.87 0.86 0.88 0.82 0.82 0.80 0.81 0.66 0.68 0.68 0.67 0.81 0.80 0.77 0.82 0.83 0.87 0.873
FCF/Net Income snapshot only 0.561
OCF/EBITDA snapshot only 0.270
CapEx/Revenue 2.0% 2.2% 2.1% 2.2% 2.1% 2.0% 2.7% 2.9% 3.0% 2.8% 4.2% 4.3% 4.4% 4.2% 2.2% 2.1% 1.9% 1.8% 1.5% 1.3% 1.31%
CapEx/Depreciation snapshot only 0.854
Accruals Ratio 0.01 0.01 0.01 0.03 0.03 0.02 -0.00 -0.03 -0.04 -0.04 -0.08 -0.08 -0.08 -0.08 -0.06 -0.06 -0.05 -0.04 0.02 0.02 0.021
Sloan Accruals snapshot only 0.030
Cash Flow Adequacy snapshot only 7.882
Earnings Quality Score snapshot only 0.500
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% 0.0% — — — — — — — — — 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% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Total Payout Ratio 16.8% 28.2% 1.1% 91.7% 99.5% 1.1% 44.7% 1.6% 10.9% — — — — — — — — — 35.2% 33.9% 33.92%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 3.2% 5.7% 20.9% 23.0% 25.8% 32.2% 7.7% 4.9% 3.1% 0.9% 0.0% 0.0% 0.0% 0.0% 0.0% 1.2% 2.8% 3.6% 7.3% 6.4% 6.42%
Net Buyback Yield 3.2% 5.7% 20.9% 23.0% 25.8% 32.2% 7.7% 4.9% 3.1% 0.9% 0.0% 0.0% 0.0% 0.0% 0.0% 1.2% 2.8% 3.6% 7.3% 6.4% 6.42%
Total Shareholder Return 3.2% 5.7% 20.9% 23.0% 25.8% 32.2% 7.7% 4.9% 3.1% 0.9% 0.0% 0.0% 0.0% 0.0% 0.0% 1.2% 2.8% 3.6% 7.3% 6.4% 6.42%
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) 0.77 0.78 0.80 0.79 0.78 0.78 0.63 0.36 0.06 -0.19 1.15 1.15 1.16 1.17 1.45 1.75 2.90 -1.59 0.76 0.76 0.765
Interest Burden (EBT/EBIT) 0.69 0.72 0.74 0.79 0.79 0.77 0.69 0.41 0.26 0.21 -30.33 -8.22 -4.35 -2.33 -0.67 -0.35 -0.13 0.09 0.54 0.57 0.573
EBIT Margin 0.33 0.34 0.37 0.41 0.40 0.38 0.32 0.21 0.19 0.19 0.00 0.02 0.03 0.05 0.11 0.14 0.16 0.19 0.35 0.37 0.366
Asset Turnover 0.33 0.34 0.34 0.36 0.34 0.32 0.31 0.27 0.26 0.26 0.27 0.27 0.28 0.29 0.28 0.29 0.31 0.33 0.35 0.37 0.365
Equity Multiplier 4.36 4.36 3.94 3.94 3.94 3.94 3.85 3.85 3.85 3.85 4.32 4.32 4.32 4.32 5.53 5.53 5.53 5.53 5.81 5.81 5.808
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) $9.01 $9.95 $11.68 $15.72 $14.99 $13.26 $8.26 $1.50 $0.14 $-0.36 $-8.70 $-8.25 $-8.13 $-7.57 $-5.83 $-4.77 $-3.78 $-1.92 $11.28 $13.27 $13.27
Book Value/Share $38.76 $38.82 $39.46 $43.13 $44.88 $45.73 $50.10 $47.29 $48.58 $48.38 $39.45 $38.28 $38.87 $38.37 $32.14 $31.62 $32.54 $32.62 $42.89 $43.76 $47.63
Tangible Book/Share $8.46 $8.47 $8.36 $9.14 $9.51 $9.69 $14.28 $13.48 $13.85 $13.79 $13.90 $13.49 $13.70 $13.52 $10.87 $10.69 $11.01 $11.03 $19.34 $19.73 $19.73
Revenue/Share $51.91 $52.29 $53.74 $61.76 $61.59 $58.71 $59.39 $48.56 $48.49 $48.37 $51.50 $50.61 $52.73 $54.42 $55.14 $56.89 $62.24 $66.36 $77.66 $82.84 $85.10
FCF/Share $7.01 $7.61 $8.98 $9.16 $8.24 $8.32 $7.37 $6.30 $5.77 $5.70 $4.27 $4.67 $5.01 $4.67 $5.32 $4.99 $4.07 $5.60 $5.57 $7.44 $7.64
OCF/Share $8.03 $8.76 $10.09 $10.50 $9.56 $9.49 $8.95 $7.70 $7.20 $7.06 $6.44 $6.87 $7.35 $6.94 $6.54 $6.20 $5.27 $6.80 $6.73 $8.52 $8.76
Cash/Share $6.02 $6.03 $6.31 $6.90 $7.18 $7.32 $6.11 $5.77 $5.93 $5.90 $6.67 $6.47 $6.57 $6.49 $8.37 $8.24 $8.48 $8.50 $6.88 $7.02 $10.46
EBITDA/Share $18.36 $19.25 $21.31 $26.86 $26.25 $24.07 $21.25 $12.24 $11.12 $11.01 $2.01 $2.45 $3.08 $4.10 $7.39 $9.09 $11.50 $14.22 $28.56 $31.57 $31.57
Debt/Share $104.46 $104.64 $99.78 $109.07 $113.49 $115.64 $123.12 $116.22 $119.39 $118.89 $139.76 $135.61 $137.69 $135.95 $153.85 $151.34 $155.77 $156.15 $181.43 $185.13 $185.13
Net Debt/Share $98.44 $98.60 $93.46 $102.16 $106.31 $108.33 $117.01 $110.45 $113.46 $112.99 $133.09 $129.13 $131.12 $129.46 $145.47 $143.10 $147.29 $147.66 $174.54 $178.11 $178.11
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-B Score — — — — — — — — — — — — — — — — — — — — 5.745
Altman Z-Prime snapshot only 2.137
Piotroski F-Score 6 7 7 7 6 5 5 5 5 4 5 7 7 6 6 8 8 7 8 7 7
Beneish M-Score -2.79 -2.76 -2.64 -2.50 -2.47 -2.49 -2.55 -2.76 -2.91 -2.90 -3.19 -3.22 -3.20 -3.25 395.95 316.26 303.94 301.83 -2.82 -2.88 -2.878
Ohlson O-Score snapshot only -6.292
ROIC (Greenblatt) snapshot only 2.05%
Net-Net WC snapshot only $-186.92
EVA snapshot only $25022413.29
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 AA
Credit Score 67.45 67.46 68.54 67.59 68.73 68.12 70.02 53.70 46.04 41.95 34.88 34.88 37.46 38.38 37.31 37.20 37.29 41.78 86.38 86.59 86.590
Credit Grade snapshot only 3
Credit Trend snapshot only 49.394
Implied Spread (bps) snapshot only 80.000
Industry Credit Rank snapshot only 96
Sector Credit Rank snapshot only 79

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