$171.31

+1.28 (+0.75%)

Weekly Expected Move ±5.0%

$149 $157 $165 $173 $181

NYSE · Financial Services · Financial - Credit Services · Tech Score Sell · Power 47 · $4.2B mcap · 23M float · 1.60% daily turnover · Short 63% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $57.9M held by 80 funds, 380 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

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

NARROW EDGE

65.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 9.9% · 5Y Avg: 8.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. ENVA has a Narrow competitive edge (65.0/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 9.9% 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

$220

Low

$222

Avg Target

$225

High

Based on 2 analysts since Oct 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$231.25

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-26	Maxim Group	—	$200	$220	+20	+27.5%	$172.49
2026-10-23	Stephens	Kyle Joseph	$205	$225	+20	+27.3%	$176.78
2026-10-07	Jefferies	—	$280	$275	-5	+50.4%	$182.88
2026-09-17	Stephens	Kyle Joseph	$210	$205	-5	+19.1%	$172.14
2026-07-27	Seaport Global	—	$189	$283	+94	+16.5%	$242.94
2026-07-08	Jefferies	John Hecht	$95	$280	+185	+18.1%	$237.00
2026-06-30	BTIG	Vincent Caintic	$199	$270	+71	+14.6%	$235.67
2026-04-27	Maxim Group	—	$191	$200	+9	+18.3%	$169.09
2026-04-24	Stephens	—	Initiated	$210	—	+24.0%	$169.42
2026-01-29	Maxim Group	—	$108	$191	+83	+18.7%	$160.95
2025-12-12	Seaport Global	—	Initiated	$189	—	+16.1%	$162.79
2025-12-12	BTIG	Vincent Caintic	$144	$199	+55	+25.9%	$158.01
2025-10-24	BTIG	Vincent Caintic	$110	$144	+34	+26.3%	$114.03
2024-10-23	Maxim Group	Michael Diana	$78	$108	+30	+21.1%	$89.17
2024-10-23	BTIG	Vincent Caintic	Initiated	$110	—	+22.4%	$89.87
2024-10-14	JMP Securities	David Scharf	$54	$103	+49	+19.8%	$85.98
2024-09-20	Jefferies	John Hecht	Initiated	$95	—	+10.6%	$85.91
2024-04-25	Maxim Group	Michael Diana	Initiated	$78	—	+26.3%	$61.77
2024-04-25	BMO Capital	James Fotheringham	Initiated	$62	—	+0.2%	$61.89
2023-02-02	JMP Securities	—	$49	$54	+5	+17.9%	$45.80
2023-01-13	JMP Securities	—	$42	$49	+7	+20.2%	$40.78
2022-07-15	JMP Securities	—	Initiated	$42	—	+41.4%	$29.70
2022-03-13	Janney Montgomery	John Rowan	Initiated	$49	—	+37.1%	$35.74

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.

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. ENVA receives an overall rating of B. Strongest factors: ROE (5/5), ROA (5/5). Areas of concern: DCF (2/5), D/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-26	B+	B
2026-10-23	B	B+
2026-10-07	B+	B
2026-10-01	B	B+
2026-07-16	B+	B
2026-04-01	B	B+
2026-01-20	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.

★ ★ ★ ★ ★ 57 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. ENVA scores highest in Safety (100/100) and lowest in Balance Sheet (36/100). 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

6.91

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓ ✗

Beneish M-Score

2.23

Possible Manipulator

Ohlson O-Score

-6.59

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AA-

Score: 82.8/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 5.37x

Accruals: -24.5%

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. ENVA scores 6.91, 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. ENVA scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. ENVA's score of 2.23 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. ENVA'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. ENVA receives an estimated rating of AA- (score: 82.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). ENVA'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

11.14x

PEG

0.33x

P/S

1.30x

P/B

2.72x

P/FCF

2.20x

P/OCF

2.15x

EV/EBITDA

10.62x

EV/Revenue

3.02x

EV/EBIT

11.06x

EV/FCF

4.85x

Earnings Yield

8.66%

FCF Yield

45.42%

Shareholder Yield

3.19%

Graham Number

$138.99

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 11.1x earnings, ENVA trades at a reasonable valuation. An earnings yield of 8.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $138.99 per share, 23% below the current price.

DuPont Decomposition (5-Factor)

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

Tax Burden

0.773

NI / EBT

Interest Burden

0.563

EBT / EBIT

EBIT Margin

0.273

EBIT / Rev

Asset Turnover

0.471

Rev / Assets

Equity Multiplier

4.788

Assets / Equity

ROE

26.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ENVA's ROE of 26.8% is driven by financial leverage (equity multiplier: 4.79x). 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$557.01

Price/Value

0.30x

Margin of Safety

70.00%

Premium

-70.00%

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 ENVA's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. ENVA actually compounded EPS at 34.1% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. ENVA trades at a -70% premium to its adjusted intrinsic value of $557.01, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 11.1x.

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

$171.14

Median 1Y

$196.15

5th Pctile

$80.17

95th Pctile

$480.18

Ann. Volatility

53.0%

Analyst Target

$231.25

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

Executive	Salary	Stock	Total
David Fisher (through ecutive Officer (through 12/31/25) (Principal Executive Officer)	$1,030,385	$4,121,406	$11,703,176
Steven Cunningham Financial ancial Officer (through 12/31/25) (Principal Financial Officer)	$633,722	$3,945,220	$6,827,738
Kirk Chartier Strategy rategy Officer	$510,812	$768,783	$2,699,990
Sean Rahilly Counsel Counsel and Chief Compliance Officer	$476,641	$457,972	$2,002,526

CEO Pay Ratio

27:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $11,703,176

Avg Employee Cost (SGA/emp): $430,718

Employees: 1,836

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

1,836

+2.7% YoY

Revenue / Employee

$1,716,587

Rev: $3,151,653,000

Profit / Employee

$167,968

NI: $308,389,000

SGA / Employee

$430,718

Avg labor cost proxy

R&D / Employee

$36,767

Innovation spend

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	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
ROE	25.5%	22.4%	18.6%	18.0%	18.2%	17.9%	17.1%	15.9%	14.4%	14.6%	14.9%	14.8%	17.2%	19.9%	21.6%	23.8%	24.3%	25.1%	26.1%	26.8%	26.82%
ROA	10.5%	9.0%	7.3%	6.9%	6.3%	6.0%	5.6%	5.0%	4.2%	4.1%	4.1%	4.0%	4.3%	4.6%	4.9%	5.4%	5.3%	5.3%	5.5%	5.6%	5.60%
ROIC	13.4%	11.0%	9.4%	8.8%	8.6%	8.9%	9.3%	8.9%	8.4%	8.2%	8.4%	9.1%	9.6%	10.0%	10.1%	10.2%	9.8%	9.7%	10.0%	9.9%	9.91%
ROCE	12.9%	10.4%	8.5%	7.8%	7.5%	7.2%	7.3%	6.7%	5.3%	5.2%	5.2%	5.4%	6.2%	6.1%	6.4%	6.7%	7.9%	9.3%	10.8%	12.0%	11.96%
Gross Margin	71.9%	69.7%	58.7%	57.7%	59.7%	50.2%	50.8%	49.1%	45.9%	46.0%	47.6%	46.9%	46.1%	46.4%	46.9%	46.6%	59.8%	99.0%	98.2%	60.9%	60.88%
Operating Margin	22.2%	23.5%	21.9%	21.6%	21.6%	22.6%	22.3%	18.8%	16.7%	21.4%	23.1%	22.3%	21.3%	23.1%	24.1%	24.5%	22.2%	24.0%	48.0%	24.5%	24.50%
Net Margin	13.4%	13.6%	12.8%	11.3%	10.5%	10.5%	9.6%	7.5%	6.0%	7.9%	8.6%	6.3%	8.7%	9.8%	10.0%	10.0%	9.4%	10.4%	21.3%	10.6%	10.63%
EBITDA Margin	20.4%	20.2%	17.7%	17.3%	15.7%	15.8%	14.9%	11.8%	8.5%	12.4%	13.3%	12.6%	12.1%	13.6%	14.6%	15.2%	23.2%	24.7%	50.3%	25.5%	25.46%
FCF Margin	36.6%	35.7%	41.0%	45.3%	49.0%	53.4%	54.1%	53.4%	53.0%	52.9%	52.6%	54.8%	56.3%	55.0%	55.4%	56.1%	56.2%	56.6%	64.9%	62.4%	62.36%
OCF Margin	39.1%	38.1%	43.6%	47.8%	51.5%	55.8%	56.3%	55.5%	55.1%	55.0%	54.6%	56.6%	57.9%	56.6%	56.9%	57.6%	57.7%	58.0%	66.4%	63.8%	63.81%
ROE 3Y Avg	snapshot only																				20.84%
ROE 5Y Avg	snapshot only																				19.12%
ROA 3Y Avg	snapshot only																				4.50%
ROIC 3Y Avg	snapshot only																				6.83%
ROIC Economic	snapshot only																				9.85%
Cash ROA	snapshot only																				26.68%
Cash ROIC	snapshot only																				29.87%
CROIC	snapshot only																				29.20%
NOPAT Margin	snapshot only																				21.17%
Pretax Margin	snapshot only																				15.37%
R&D / Revenue	snapshot only																				2.10%
SGA / Revenue	snapshot only																				31.06%
SBC / Revenue	snapshot only																				1.10%

Valuation

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
P/E Ratio	5.97	5.69	4.71	4.70	6.04	7.06	8.48	8.49	9.76	10.74	9.75	12.86	12.66	11.19	11.78	10.39	13.44	10.96	17.84	11.55	11.138
P/S Ratio	1.27	0.99	0.65	0.60	0.72	0.79	0.89	0.80	0.81	0.83	0.73	0.92	1.00	0.94	1.03	1.00	1.31	1.09	2.11	1.37	1.302
P/B Ratio	1.40	1.23	0.87	0.84	1.06	1.19	1.37	1.29	1.38	1.61	1.52	1.97	2.22	2.19	2.46	2.37	3.10	2.55	4.24	2.82	2.717
P/FCF	3.46	2.78	1.59	1.32	1.47	1.49	1.64	1.51	1.52	1.56	1.39	1.69	1.77	1.70	1.86	1.79	2.34	1.93	3.25	2.20	2.202
P/OCF	3.24	2.61	1.50	1.25	1.40	1.42	1.58	1.45	1.47	1.50	1.34	1.63	1.72	1.66	1.81	1.74	2.28	1.88	3.17	2.15	2.152
EV/EBITDA	7.50	8.63	8.97	9.82	11.29	12.17	12.85	13.78	16.28	18.32	17.91	18.87	18.46	17.62	17.92	16.83	16.30	12.96	14.42	10.62	10.615
EV/Revenue	2.31	2.20	1.83	1.84	1.98	2.02	2.04	1.99	2.04	2.16	2.06	2.22	2.32	2.27	2.38	2.34	2.74	2.54	3.74	3.02	3.021
EV/EBIT	8.29	9.72	10.28	11.34	12.85	13.90	14.73	15.82	19.01	21.38	20.88	21.74	20.98	19.82	20.01	18.73	17.69	13.83	15.18	11.06	11.062
EV/FCF	6.31	6.16	4.46	4.07	4.05	3.78	3.78	3.74	3.85	4.08	3.93	4.05	4.13	4.13	4.29	4.18	4.87	4.49	5.77	4.85	4.845
Earnings Yield	16.8%	17.6%	21.2%	21.3%	16.6%	14.2%	11.8%	11.8%	10.2%	9.3%	10.3%	7.8%	7.9%	8.9%	8.5%	9.6%	7.4%	9.1%	5.6%	8.7%	8.66%
FCF Yield	28.9%	35.9%	62.7%	75.7%	67.9%	67.3%	60.9%	66.4%	65.6%	64.1%	71.8%	59.3%	56.4%	58.7%	53.8%	56.0%	42.8%	51.9%	30.8%	45.4%	45.42%
PEG Ratio	snapshot only																				0.331
Price/Tangible Book	snapshot only																				3.431
EV/OCF	snapshot only																				4.735
EV/Gross Profit	snapshot only																				3.940
Acquirers Multiple	snapshot only																				11.037
Shareholder Yield	snapshot only																				3.19%
Graham Number	snapshot only																				$138.99

Leverage & Solvency

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Current Ratio	14.70	18.81	16.39	17.97	16.67	19.03	15.02	13.23	15.79	14.37	13.03	17.43	9.96	21.07	20.45	21.75	0.23	0.23	18.42	1.78	1.784
Quick Ratio	14.70	18.81	16.39	17.97	16.67	19.03	15.02	13.23	15.79	14.37	13.03	17.43	9.96	21.07	20.45	21.75	0.23	0.23	18.42	1.78	1.784
Debt/Equity	1.30	1.61	1.69	1.83	1.93	1.92	1.86	1.96	2.41	2.67	2.81	2.82	3.00	3.17	3.25	3.22	3.41	3.47	3.37	3.45	3.448
Net Debt/Equity	1.15	1.49	1.56	1.75	1.85	1.84	1.78	1.91	2.11	2.60	2.75	2.76	2.94	3.12	3.21	3.18	3.36	3.40	3.29	3.38	3.381
Debt/Assets	0.52	0.57	0.58	0.60	0.61	0.61	0.60	0.60	0.65	0.66	0.67	0.67	0.68	0.69	0.70	0.69	0.71	0.71	0.70	0.70	0.703
Debt/EBITDA	3.83	5.11	6.24	6.92	7.52	7.71	7.59	8.45	11.26	11.60	11.77	11.24	10.75	10.51	10.29	9.77	8.61	7.55	6.46	5.91	5.907
Net Debt/EBITDA	3.39	4.72	5.76	6.63	7.19	7.38	7.27	8.23	9.84	11.31	11.55	11.01	10.53	10.36	10.15	9.64	8.48	7.40	6.30	5.79	5.791
Interest Coverage	4.40	3.81	3.10	3.94	3.16	2.51	3.31	3.15	5.25	—	—	—	—	3.98	4.32	4.73	2.88	3.30	7.22	1325.38	1325.385
Equity Multiplier	2.53	2.83	2.94	3.06	3.19	3.15	3.13	3.25	3.70	4.03	4.20	4.22	4.40	4.56	4.66	4.64	4.84	4.91	4.82	4.91	4.906
Cash Ratio	snapshot only																				0.303
Debt Service Coverage	snapshot only																				1381.205
Cash to Debt	snapshot only																				0.020
FCF to Debt	snapshot only																				0.371
Defensive Interval	snapshot only																				53.5 days

Efficiency & Turnover

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Asset Turnover	0.50	0.52	0.52	0.54	0.53	0.53	0.54	0.53	0.51	0.53	0.54	0.55	0.54	0.55	0.56	0.56	0.54	0.53	0.47	0.47	0.471
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	35647.27	—	—
Receivables Turnover	0.75	0.76	0.75	0.73	0.69	0.69	0.68	0.65	0.63	0.65	0.67	0.66	1.42	0.66	0.66	0.66	1.13	0.62	0.55	1.24	1.239
Payables Turnover	7.58	2.59	2.98	3.96	19.85	5.07	4.39	4.34	29.21	5.00	4.46	5.02	27.74	5.64	5.29	6.35	53.32	4.55	2.65	2.49	2.492
DSO	484	481	483	502	528	530	534	559	580	563	549	551	257	555	549	556	323	586	666	295	294.7 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	48	141	123	92	18	72	83	84	12	73	82	73	13	65	69	57	7	80	138	146	146.5 days
Cash Conversion Cycle	436	340	361	410	510	458	451	475	568	490	467	479	243	491	480	499	316	505	528	148	148.2 days
Fixed Asset Turnover	snapshot only																				20.484
Cash Velocity	snapshot only																				30.365
Capital Intensity	snapshot only																				2.392

Growth (YoY)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue	11.5%	36.0%	48.9%	45.6%	43.7%	37.4%	30.3%	25.2%	22.0%	22.4%	23.3%	24.3%	25.5%	24.5%	23.4%	21.1%	18.6%	17.5%	2.8%	5.8%	5.77%
Net Income	-32.2%	-48.1%	-57.3%	-53.2%	-19.1%	-11.6%	-1.7%	-6.8%	-15.6%	-16.2%	-11.5%	-5.6%	19.6%	35.5%	43.6%	62.4%	47.2%	39.6%	38.7%	30.5%	30.48%
EPS	-35.2%	-44.2%	-51.4%	-46.1%	-7.4%	-5.7%	2.3%	-3.7%	-10.8%	-7.0%	2.0%	8.7%	33.5%	47.5%	48.3%	70.0%	54.6%	43.6%	42.5%	30.7%	30.67%
FCF	-37.8%	-17.1%	35.7%	77.7%	92.3%	1.1%	72.1%	47.5%	31.9%	21.3%	19.8%	27.8%	33.3%	29.4%	30.0%	23.8%	18.5%	20.9%	20.4%	17.7%	17.66%
EBITDA	27.9%	-12.6%	-29.9%	-24.1%	-18.0%	-10.6%	1.8%	-3.4%	-12.9%	-12.9%	-10.6%	1.1%	26.0%	36.3%	41.9%	43.4%	58.4%	78.7%	1.0%	1.2%	1.16%
Op. Income	15.4%	-15.9%	-28.9%	-20.6%	-7.0%	5.8%	22.3%	19.6%	9.9%	10.2%	12.4%	22.6%	38.5%	41.1%	39.4%	34.3%	26.5%	24.2%	24.9%	24.4%	24.40%
OCF Growth	snapshot only																				17.26%
Asset Growth	snapshot only																				29.07%
Equity Growth	snapshot only																				22.20%
Debt Growth	snapshot only																				30.70%
Shares Change	snapshot only																				-0.14%

Growth (CAGR)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue 3Y	2.7%	5.9%	9.3%	12.2%	16.6%	15.4%	17.5%	23.0%	25.0%	31.8%	33.7%	31.4%	30.1%	27.9%	25.6%	23.5%	22.0%	21.4%	16.1%	16.8%	16.78%
Revenue 5Y	10.1%	11.8%	13.6%	15.0%	15.5%	15.1%	14.7%	14.1%	13.7%	14.8%	16.0%	17.1%	19.4%	18.5%	19.8%	22.9%	23.8%	27.3%	24.8%	23.8%	23.76%
EPS 3Y	50.9%	43.8%	35.9%	31.0%	80.9%	2.1%	85.0%	23.5%	-18.8%	-21.2%	-20.3%	-17.4%	3.3%	9.0%	15.6%	21.2%	22.5%	25.3%	29.2%	34.1%	34.14%
EPS 5Y	46.3%	42.6%	37.7%	46.5%	49.3%	38.1%	34.9%	25.6%	23.2%	21.1%	21.2%	18.6%	47.8%	1.1%	57.1%	28.3%	2.0%	0.7%	1.4%	4.6%	4.63%
Net Income 3Y	54.1%	44.5%	34.6%	28.9%	78.3%	2.1%	88.7%	25.6%	-22.6%	-27.2%	-28.1%	-25.6%	-6.5%	0.2%	7.7%	12.6%	14.1%	16.6%	20.8%	26.0%	25.99%
Net Income 5Y	49.3%	43.3%	37.1%	45.9%	48.0%	36.6%	32.4%	22.9%	20.1%	17.5%	16.2%	13.5%	41.7%	1.0%	53.5%	24.9%	-4.0%	-6.1%	-5.8%	-2.7%	-2.69%
EBITDA 3Y	46.2%	37.6%	27.1%	21.7%	14.4%	24.2%	18.3%	5.4%	-3.0%	-12.0%	-13.9%	-9.5%	-3.5%	2.0%	8.9%	11.8%	20.2%	28.5%	36.6%	46.3%	46.31%
EBITDA 5Y	39.1%	34.9%	30.2%	31.3%	32.5%	25.8%	24.5%	21.4%	17.4%	15.2%	13.3%	11.9%	10.4%	17.8%	16.0%	11.2%	12.7%	10.6%	12.7%	18.1%	18.07%
Gross Profit 3Y	27.7%	29.9%	29.4%	28.7%	32.0%	30.9%	30.1%	25.7%	16.4%	12.7%	9.3%	8.3%	8.7%	8.7%	10.3%	11.0%	14.2%	26.6%	28.5%	32.6%	32.63%
Gross Profit 5Y	22.4%	23.3%	23.2%	23.1%	23.3%	20.6%	19.8%	19.0%	17.4%	18.3%	19.0%	19.3%	21.8%	23.1%	23.4%	21.5%	19.2%	22.9%	21.1%	21.8%	21.79%
Op. Income 3Y	31.2%	25.1%	18.4%	16.2%	13.2%	22.1%	19.4%	11.0%	5.7%	-0.6%	-0.8%	5.2%	12.3%	18.1%	24.2%	25.4%	24.4%	24.5%	25.0%	27.0%	27.01%
Op. Income 5Y	27.7%	24.4%	21.0%	21.9%	23.4%	20.6%	20.7%	19.5%	18.2%	18.0%	17.9%	18.1%	17.2%	23.1%	21.7%	17.7%	15.6%	11.4%	11.2%	14.2%	14.25%
FCF 3Y	-12.9%	-13.5%	-8.2%	-3.0%	0.9%	4.4%	5.2%	8.6%	16.4%	27.4%	40.9%	49.6%	50.1%	47.8%	38.9%	32.6%	27.7%	23.8%	23.3%	23.0%	23.01%
FCF 5Y	3.1%	3.5%	9.4%	13.4%	14.6%	16.2%	14.1%	12.9%	10.9%	10.1%	9.7%	11.4%	12.5%	12.3%	12.6%	15.1%	20.0%	26.5%	34.3%	37.3%	37.31%
OCF 3Y	-11.7%	-12.3%	-7.1%	-2.1%	1.8%	5.1%	5.7%	9.0%	16.3%	26.8%	39.5%	47.5%	48.3%	46.0%	37.3%	31.4%	26.7%	23.0%	22.7%	22.3%	22.32%
OCF 5Y	3.7%	4.2%	10.1%	13.8%	14.9%	16.3%	14.2%	13.2%	11.2%	10.4%	10.0%	11.6%	12.6%	12.4%	12.7%	15.1%	19.7%	25.7%	33.2%	35.9%	35.91%
Assets 3Y	27.4%	31.6%	33.0%	32.7%	33.9%	30.4%	35.3%	35.9%	29.6%	29.5%	26.2%	26.3%	24.0%	21.4%	20.7%	19.3%	19.6%	21.4%	22.7%	23.3%	23.32%
Assets 5Y	23.1%	25.3%	26.6%	25.2%	26.7%	27.1%	27.0%	23.5%	28.0%	28.2%	28.3%	27.1%	27.3%	25.8%	29.4%	29.5%	25.1%	26.4%	24.7%	25.5%	25.54%
Equity 3Y	46.5%	41.7%	39.7%	38.2%	46.6%	40.7%	37.9%	30.0%	10.6%	4.6%	1.6%	1.3%	3.1%	3.5%	3.5%	3.8%	4.1%	4.7%	6.2%	7.5%	7.55%
Book Value 3Y	43.5%	41.0%	41.1%	40.4%	48.8%	40.9%	35.2%	27.9%	16.0%	13.3%	12.7%	12.6%	13.9%	12.6%	11.1%	11.7%	11.7%	12.5%	13.6%	14.5%	14.50%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue Stability	0.78	0.62	0.65	0.74	0.78	0.68	0.68	0.72	0.73	0.74	0.77	0.83	0.89	0.89	0.93	0.97	0.99	1.00	0.98	0.99	0.987
Earnings Stability	0.59	0.44	0.39	0.50	0.46	0.32	0.25	0.25	0.15	0.09	0.06	0.04	0.01	0.01	0.01	0.01	0.13	0.11	0.05	0.00	0.000
Margin Stability	0.70	0.66	0.64	0.70	0.73	0.70	0.68	0.73	0.75	0.73	0.70	0.72	0.73	0.73	0.79	0.86	0.87	0.79	0.71	0.71	0.713
Rev. Growth Consistency	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	1.00	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	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	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	0.87	0.81	0.50	0.50	0.92	0.95	0.99	0.97	0.94	0.94	0.95	0.98	0.92	0.86	0.83	0.50	0.81	0.84	0.85	0.88	0.878
Earnings Smoothness	0.62	0.37	0.20	0.28	0.79	0.88	0.98	0.93	0.83	0.82	0.88	0.94	0.82	0.70	0.64	0.52	0.62	0.67	0.68	0.74	0.736
ROE Trend	-0.02	-0.02	-0.07	-0.10	-0.15	-0.16	-0.15	-0.13	-0.06	-0.04	-0.02	-0.01	0.02	0.04	0.05	0.08	0.07	0.06	0.06	0.05	0.053
Gross Margin Trend	0.29	0.19	0.06	-0.02	-0.09	-0.20	-0.23	-0.21	-0.22	-0.19	-0.15	-0.12	-0.08	-0.05	-0.04	-0.03	0.02	0.17	0.27	0.30	0.301
FCF Margin Trend	-0.34	-0.30	-0.19	-0.12	-0.02	0.06	0.11	0.12	0.10	0.08	0.05	0.06	0.05	0.02	0.02	0.02	0.02	0.03	0.11	0.07	0.069
Sustainable Growth Rate	25.5%	22.4%	18.6%	18.0%	18.2%	17.9%	17.1%	15.9%	14.4%	14.6%	14.9%	14.8%	17.2%	19.9%	21.6%	23.8%	24.3%	25.1%	26.1%	26.8%	26.82%
Internal Growth Rate	11.8%	9.9%	7.8%	7.4%	6.8%	6.4%	6.0%	5.3%	4.4%	4.2%	4.3%	4.1%	4.4%	4.9%	5.1%	5.7%	5.5%	5.6%	5.8%	5.9%	5.93%

Cash Flow Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
OCF/Net Income	1.84	2.18	3.14	3.76	4.31	4.97	5.37	5.87	6.66	7.15	7.26	7.88	7.35	6.76	6.51	5.97	5.90	5.83	5.62	5.37	5.368
FCF/OCF	0.94	0.94	0.94	0.95	0.95	0.96	0.96	0.96	0.96	0.96	0.96	0.97	0.97	0.97	0.97	0.97	0.97	0.98	0.98	0.98	0.977
FCF/Net Income	snapshot only																				5.246
OCF/EBITDA	snapshot only																				2.242
CapEx/Revenue	2.5%	2.4%	2.6%	2.5%	2.5%	2.4%	2.1%	2.2%	2.1%	2.1%	2.0%	1.8%	1.6%	1.6%	1.5%	1.5%	1.5%	1.4%	1.5%	1.5%	1.45%
CapEx/Depreciation	snapshot only																				1.261
Accruals Ratio	-0.09	-0.11	-0.16	-0.19	-0.21	-0.24	-0.25	-0.24	-0.24	-0.25	-0.26	-0.27	-0.27	-0.27	-0.27	-0.27	-0.26	-0.26	-0.25	-0.24	-0.245
Sloan Accruals	snapshot only																				-0.734
Cash Flow Adequacy	snapshot only																				43.976
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Dividend Yield	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%	0.0%	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	45.5%	82.8%	1.1%	1.1%	69.0%	41.9%	44.0%	55.1%	87.5%	1.6%	1.8%	1.7%	1.4%	95.5%	84.1%	78.6%	69.6%	51.6%	37.4%	36.9%	36.86%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	7.6%	14.6%	22.5%	22.9%	11.4%	5.9%	5.2%	6.5%	9.0%	15.2%	18.3%	13.1%	10.9%	8.5%	7.1%	7.6%	5.2%	4.7%	2.1%	3.2%	3.19%
Net Buyback Yield	7.6%	14.6%	22.5%	22.9%	11.4%	5.9%	5.2%	6.5%	9.0%	15.2%	18.3%	13.1%	10.9%	8.5%	7.1%	7.6%	5.1%	4.6%	2.0%	3.0%	3.03%
Total Shareholder Return	7.6%	14.6%	22.5%	22.9%	11.4%	5.9%	5.2%	6.5%	9.0%	15.2%	18.3%	13.1%	10.9%	8.5%	7.1%	7.6%	5.1%	4.6%	2.0%	3.0%	3.03%

DuPont Factors

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Tax Burden (NI/EBT)	0.76	0.77	0.77	0.77	0.76	0.76	0.76	0.76	0.77	0.76	0.76	0.77	0.77	0.79	0.79	0.77	0.77	0.77	0.77	0.77	0.773
Interest Burden (EBT/EBIT)	1.00	1.00	1.02	1.02	1.02	1.02	0.99	0.99	1.00	1.00	1.00	0.92	0.92	0.93	0.93	1.00	0.82	0.70	0.62	0.56	0.563
EBIT Margin	0.28	0.23	0.18	0.16	0.15	0.14	0.14	0.13	0.11	0.10	0.10	0.10	0.11	0.11	0.12	0.13	0.15	0.18	0.25	0.27	0.273
Asset Turnover	0.50	0.52	0.52	0.54	0.53	0.53	0.54	0.53	0.51	0.53	0.54	0.55	0.54	0.55	0.56	0.56	0.54	0.53	0.47	0.47	0.471
Equity Multiplier	2.42	2.49	2.57	2.62	2.87	3.00	3.04	3.16	3.45	3.58	3.64	3.72	4.04	4.30	4.44	4.44	4.63	4.75	4.75	4.79	4.788

Per Share

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
EPS (Diluted TTM)	$6.87	$6.67	$6.12	$6.22	$6.36	$6.29	$6.26	$5.99	$5.67	$5.85	$6.38	$6.51	$7.57	$8.63	$9.47	$11.07	$11.70	$12.39	$13.49	$14.47	$14.47
Book Value/Share	$29.28	$30.90	$33.09	$34.77	$36.35	$37.32	$38.80	$39.53	$40.15	$38.99	$41.07	$42.54	$43.26	$44.15	$45.40	$48.49	$50.72	$53.20	$56.83	$59.34	$63.06
Tangible Book/Share	$20.85	$21.94	$23.81	$25.41	$26.96	$28.02	$29.41	$30.12	$30.50	$28.94	$30.54	$31.99	$32.77	$33.52	$34.83	$37.76	$39.98	$42.51	$46.15	$48.70	$48.70
Revenue/Share	$32.36	$38.25	$44.13	$48.95	$53.21	$56.05	$59.78	$63.33	$68.56	$76.07	$84.94	$90.64	$96.07	$103.06	$108.24	$114.91	$119.58	$124.53	$114.30	$121.71	$129.34
FCF/Share	$11.85	$13.64	$18.08	$22.16	$26.06	$29.92	$32.36	$33.79	$36.31	$40.24	$44.67	$49.70	$54.04	$56.67	$59.95	$64.42	$67.23	$70.50	$74.13	$75.90	$80.66
OCF/Share	$12.64	$14.57	$19.24	$23.41	$27.40	$31.26	$33.64	$35.16	$37.78	$41.81	$46.35	$51.33	$55.61	$58.34	$61.62	$66.14	$69.02	$72.20	$75.89	$77.67	$82.53
Cash/Share	$4.43	$3.78	$4.30	$2.66	$3.07	$2.99	$3.11	$1.97	$12.22	$2.59	$2.15	$2.44	$2.67	$2.05	$2.05	$2.02	$2.72	$3.65	$4.64	$4.01	$4.26
EBITDA/Share	$9.96	$9.73	$8.99	$9.18	$9.35	$9.28	$9.51	$9.16	$8.60	$8.96	$9.79	$10.66	$12.09	$13.30	$14.35	$16.00	$20.10	$24.45	$29.65	$34.64	$34.64
Debt/Share	$38.18	$49.76	$56.08	$63.55	$70.26	$71.54	$72.21	$77.42	$96.77	$103.98	$115.27	$119.81	$129.97	$139.81	$147.67	$156.34	$173.10	$184.61	$191.53	$204.64	$204.64
Net Debt/Share	$33.75	$45.99	$51.77	$60.89	$67.19	$68.55	$69.10	$75.45	$84.55	$101.39	$113.11	$117.38	$127.29	$137.76	$145.61	$154.32	$170.38	$180.96	$186.89	$200.63	$200.63

Academic Models

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6.909
Altman Z-Prime	snapshot only																				2.736
Piotroski F-Score	4	6	6	6	6	6	5	5	5	5	5	6	7	8	7	7	7	7	6	6	6
Beneish M-Score	-2.32	-2.19	-2.21	-2.51	-2.77	-2.98	-3.25	-3.29	-3.22	-3.29	-3.30	-3.43	-4.36	-3.50	-3.47	-3.44	70.80	2.78	-3.45	2.23	2.230
Ohlson O-Score	snapshot only																				-6.592
ROIC (Greenblatt)	snapshot only																				2.04%
Net-Net WC	snapshot only																				$-208.21
EVA	snapshot only																				$-6165196.24

Credit

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	89.85	89.03	90.42	90.91	90.73	91.28	91.33	91.34	89.09	89.83	89.59	89.97	91.32	91.48	91.51	91.32	86.36	85.81	91.03	82.84	82.844
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				-8.471
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				72
Sector Credit Rank	snapshot only																				74

ENVA NYSE

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Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

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Efficiency & Working Capital Trends

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Earnings Stability

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CEO Pay Ratio

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Workforce & Productivity

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