$66.31

-0.39 (-0.58%)

Weekly Expected Move ±5.6%

$59 $63 $67 $70 $74

NYSE · Financial Services · Insurance - Specialty · Tech Score Strong Buy · Power 64 · $6.0B mcap · 87M float · 0.876% daily turnover · Short 49% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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

51.3 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 1468.8% · 5Y Avg: 496.0%

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. ESNT shows a Weak competitive edge (51.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 1468.8% 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

$80

Low

$80

Avg Target

$80

High

Based on 1 analyst since Aug 7, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 11Hold: 7Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$80.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-10	Roth Capital	—	$65	$80	+15	+16.7%	$68.53
2026-06-03	Roth Capital	Harry Fong	$75	$65	-10	+16.6%	$55.74
2026-05-22	RBC Capital	Rowland Mayor	$67	$68	+1	+9.9%	$61.90
2026-05-11	Barclays	—	$63	$62	-1	-1.8%	$63.13
2026-02-17	Barclays	—	$65	$63	-2	+2.6%	$61.42
2026-01-06	Goldman Sachs	Ryan Nash	$44	$70	+26	+9.0%	$64.22
2026-01-06	Barclays	Terry Ma	$66	$65	-1	-0.8%	$65.53
2026-01-02	Roth Capital	Harry Fong	Initiated	$75	—	+15.4%	$65.01
2025-10-06	Barclays	—	Initiated	$66	—	+7.6%	$61.32
2025-08-08	J.P. Morgan	Richard Shane	$130	$60	-70	+5.2%	$57.02
2025-05-23	Compass Point	Giuliano Bologna	Initiated	$69	—	+19.8%	$57.60
2024-08-05	J.P. Morgan	Jeffrey Zekauskas	Initiated	$130	—	+123.7%	$58.12
2024-08-05	RBC Capital	Mark Dwelle	$61	$67	+6	+11.8%	$59.95
2024-05-06	RBC Capital	Mark Dwelle	Initiated	$61	—	+11.8%	$54.54
2023-01-05	Goldman Sachs	Ryan Nash	Initiated	$44	—	+11.4%	$39.51
2022-08-05	BTIG	Ryan Gilbert	Initiated	$54	—	+26.1%	$42.83

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A+

Oct 27, 2026

DCF

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. ESNT receives an overall rating of A+. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5), D/E (4/5), P/E (4/5).

Rating Change History

Date	From	To
2026-10-12	A	A+
2026-10-01	A+	A
2026-08-28	A	A+
2026-08-17	A+	A
2026-08-11	A-	A+
2026-08-10	C	A-
2026-08-07	A+	C
2026-07-01	A	A+
2026-05-11	C	A
2026-05-08	A	C

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 72 Grade A+

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. ESNT scores highest in Safety (100/100) and lowest in Growth (37/100). An overall grade of A+ places ESNT 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-I Score

21.43

Safe Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗ ✗

Beneish M-Score

-0.49

Possible Manipulator

Ohlson O-Score

-9.84

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 95.1/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.23x

Accruals: -2.1%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. ESNT scores 21.43, 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. ESNT scores 5/9, 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. ESNT's score of -0.49 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. ESNT'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. ESNT receives an estimated rating of AAA (score: 95.1/100), with a stable 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). ESNT's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

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

P/E

9.17x

PEG

2.12x

P/S

4.50x

P/B

1.06x

P/FCF

7.11x

P/OCF

7.04x

EV/EBITDA

0.30x

EV/Revenue

0.19x

EV/EBIT

0.30x

EV/FCF

0.31x

Earnings Yield

11.59%

FCF Yield

14.06%

Shareholder Yield

2.50%

Graham Number

$101.91

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 9.2x earnings, ESNT trades at a deep value multiple. An earnings yield of 11.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $101.91 per share, suggesting a potential 54% 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

0.829

NI / EBT

Interest Burden

0.962

EBT / EBIT

EBIT Margin

0.645

EBIT / Rev

Asset Turnover

0.179

Rev / Assets

Equity Multiplier

1.307

Assets / Equity

ROE

12.0%

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. ESNT's ROE of 12.0% is driven by EBIT Margin (0.645) as the dominant factor.

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

6.07%

Fair P/E

20.63x

Intrinsic Value

$153.69

Price/Value

0.42x

Margin of Safety

58.18%

Premium

-58.18%

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 ESNT's realized 6.1% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. ESNT trades at a -58% premium to its adjusted intrinsic value of $153.69, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 20.6x compares to the current market P/E of 9.2x.

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

$66.32

Median 1Y

$64.09

5th Pctile

$30.03

95th Pctile

$136.98

Ann. Volatility

43.5%

Analyst Target

$80.00

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

Executive	Salary	Stock	Total
Mark A. Casale Chairman of the Board of Directors, President and Chief Executive Officer	$1,000,000	$5,124,644	$10,039,676
Christopher G. Curran President, Essent Guaranty, Inc.	$650,000	$1,173,598	$2,958,451
Mary L. Gibbons Senior Vice President, Chief Legal Officer and Assistant Secretary	$500,000	$902,808	$2,394,467
Vijay Bhasin Risk or Vice President and Chief Risk Officer	$450,000	$812,507	$1,937,882
David B. Weinstock Senior Vice President and Chief Financial Officer	$400,000	$541,717	$1,659,710

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

514

-17.8% YoY

Revenue / Employee

$2,453,181

Rev: $1,260,935,000

Profit / Employee

$1,342,352

NI: $689,969,000

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	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	15.8%	16.8%	20.2%	21.4%	20.4%	19.1%	16.4%	14.8%	14.7%	14.6%	14.3%	14.6%	14.1%	13.6%	13.3%	12.9%	12.4%	12.1%	12.1%	12.0%	12.01%
ROA	11.7%	12.5%	15.0%	16.2%	15.5%	14.5%	12.6%	11.6%	11.5%	11.5%	11.3%	11.7%	11.1%	10.8%	10.5%	10.3%	9.7%	9.5%	9.3%	9.2%	9.19%
ROIC	15.2%	-1.8%	21.0%	21.0%	20.1%	18.3%	14.2%	10.4%	4.9%	12.9%	6.1%	4.9%	9.8%	8.2%	11.4%	6.6%	11.4%	11.1%	43.9%	14.7%	14.69%
ROCE	14.5%	15.7%	19.0%	21.0%	20.3%	18.9%	14.9%	13.7%	13.5%	14.4%	13.2%	13.4%	12.6%	12.5%	12.3%	12.1%	12.6%	12.3%	13.3%	12.0%	12.03%
Gross Margin	1.0%	1.0%	1.4%	1.3%	98.4%	98.2%	1.0%	99.5%	96.3%	93.4%	96.7%	1.0%	90.3%	87.9%	90.3%	94.8%	85.9%	82.1%	85.4%	86.5%	86.50%
Operating Margin	87.0%	84.5%	1.2%	1.1%	80.6%	75.2%	78.6%	80.5%	70.7%	68.3%	70.3%	75.1%	65.6%	57.5%	63.9%	70.9%	62.5%	59.1%	62.7%	63.5%	63.50%
Net Margin	72.4%	70.4%	1.0%	94.8%	68.0%	64.1%	66.7%	66.2%	60.1%	59.0%	59.8%	63.9%	55.6%	49.5%	54.1%	59.9%	51.5%	49.6%	52.1%	52.3%	52.31%
EBITDA Margin	88.0%	85.6%	1.3%	1.1%	82.6%	78.2%	81.5%	83.6%	74.0%	71.4%	73.4%	78.0%	69.7%	60.3%	66.8%	73.8%	65.5%	62.1%	65.6%	66.1%	66.08%
FCF Margin	68.2%	68.7%	66.7%	58.1%	58.8%	58.4%	59.4%	68.9%	68.7%	68.4%	68.0%	66.4%	68.1%	66.1%	65.7%	65.5%	64.0%	66.2%	63.6%	62.4%	62.40%
OCF Margin	68.5%	69.0%	67.0%	58.4%	59.1%	58.8%	59.7%	69.2%	69.1%	68.8%	68.7%	67.1%	68.8%	67.4%	66.7%	66.4%	65.3%	66.8%	64.2%	63.0%	63.02%
ROE 3Y Avg	snapshot only																				12.78%
ROE 5Y Avg	snapshot only																				14.67%
ROA 3Y Avg	snapshot only																				9.97%
ROIC Economic	snapshot only																				11.10%
Cash ROA	snapshot only																				10.99%
Cash ROIC	snapshot only																				18.00%
CROIC	snapshot only																				17.82%
NOPAT Margin	snapshot only																				51.43%
Pretax Margin	snapshot only																				62.02%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				2.20%
SBC / Revenue	snapshot only																				-0.17%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	7.19	6.76	5.05	4.35	4.05	4.72	5.60	7.13	7.24	7.77	8.67	7.88	9.06	7.75	8.17	8.50	9.10	9.11	8.05	8.63	9.172
P/S Ratio	4.41	4.48	3.95	3.70	3.40	3.92	4.11	4.73	4.64	4.88	5.30	4.79	5.40	4.42	4.55	4.65	4.89	4.90	4.29	4.44	4.503
P/B Ratio	1.08	1.09	0.98	0.91	0.81	0.88	0.88	1.01	1.01	1.06	1.17	1.08	1.18	1.01	1.04	1.07	1.11	1.09	0.97	1.04	1.062
P/FCF	6.47	6.52	5.92	6.36	5.79	6.72	6.92	6.87	6.75	7.13	7.79	7.21	7.93	6.70	6.92	7.11	7.65	7.40	6.75	7.11	7.113
P/OCF	6.44	6.50	5.90	6.33	5.76	6.67	6.87	6.83	6.72	7.09	7.72	7.13	7.85	6.57	6.82	7.01	7.49	7.34	6.69	7.04	7.043
EV/EBITDA	5.82	-0.02	3.86	3.58	3.35	3.99	-0.59	0.12	0.20	6.64	1.17	0.66	1.23	0.16	0.35	0.58	7.81	7.82	-0.18	0.30	0.300
EV/Revenue	4.36	-0.01	3.66	3.68	3.41	4.01	-0.53	0.10	0.16	5.13	0.88	0.49	0.90	0.11	0.24	0.39	5.20	5.25	-0.12	0.19	0.195
EV/EBIT	5.84	-0.02	3.87	3.59	3.36	4.00	-0.59	0.12	0.20	6.67	1.18	0.66	1.23	0.16	0.35	0.58	7.86	7.87	-0.18	0.30	0.302
EV/FCF	6.39	-0.02	5.49	6.34	5.81	6.86	-0.89	0.14	0.23	7.50	1.30	0.73	1.32	0.17	0.37	0.60	8.13	7.92	-0.19	0.31	0.312
Earnings Yield	13.9%	14.8%	19.8%	23.0%	24.7%	21.2%	17.9%	14.0%	13.8%	12.9%	11.5%	12.7%	11.0%	12.9%	12.2%	11.8%	11.0%	11.0%	12.4%	11.6%	11.59%
FCF Yield	15.5%	15.3%	16.9%	15.7%	17.3%	14.9%	14.5%	14.6%	14.8%	14.0%	12.8%	13.9%	12.6%	14.9%	14.4%	14.1%	13.1%	13.5%	14.8%	14.1%	14.06%
PEG Ratio	snapshot only																				2.119
Price/Tangible Book	snapshot only																				1.065
EV/OCF	snapshot only																				0.309
EV/Gross Profit	snapshot only																				0.229
Acquirers Multiple	snapshot only																				0.314
Shareholder Yield	snapshot only																				2.50%
Graham Number	snapshot only																				$101.91

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.22	12.13	2.12	1.24	11.64	0.93	—	—	—	0.41	—	—	—	—	—	—	0.30	0.34	5.91	0.49	0.492
Quick Ratio	1.22	12.13	2.12	1.24	11.64	0.93	—	—	—	0.41	—	—	—	—	—	—	0.30	0.34	5.91	0.49	0.492
Debt/Equity	0.08	0.10	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.09	0.10	0.09	0.09	0.088
Net Debt/Equity	-0.01	-1.09	-0.07	-0.00	0.00	0.02	-0.99	-0.99	-0.97	0.05	-0.98	-0.97	-0.99	-0.98	-0.99	-0.98	0.07	0.08	-1.00	-0.99	-0.992
Debt/Assets	0.06	0.07	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.08	0.07	0.07	0.065
Debt/EBITDA	0.42	0.50	0.42	0.39	0.40	0.42	0.48	0.51	0.51	0.49	0.48	0.47	0.55	0.55	0.56	0.56	0.57	0.65	0.58	0.58	0.578
Net Debt/EBITDA	-0.07	-5.55	-0.30	-0.01	0.01	0.09	-5.20	-5.68	-5.66	0.33	-5.86	-5.79	-6.16	-6.15	-6.29	-6.31	0.46	0.51	-6.61	-6.54	-6.544
Interest Coverage	91.14	100.29	117.18	116.20	89.54	64.31	43.38	33.00	29.09	28.31	27.90	28.46	25.59	25.22	24.84	24.42	26.45	26.14	26.13	26.10	26.102
Equity Multiplier	1.34	1.35	1.33	1.29	1.29	1.28	1.28	1.26	1.27	1.26	1.26	1.24	1.26	1.27	1.27	1.27	1.28	1.29	1.33	1.34	1.341
Cash Ratio	snapshot only																				12.317
Debt Service Coverage	snapshot only																				26.253
Cash to Debt	snapshot only																				12.325
FCF to Debt	snapshot only																				1.665
Defensive Interval	snapshot only																				7530.2 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.19	0.19	0.19	0.19	0.18	0.17	0.17	0.18	0.18	0.18	0.19	0.19	0.19	0.19	0.19	0.19	0.18	0.18	0.17	0.18	0.179
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	21.86	21.36	23.09	20.10	19.24	19.33	18.65	17.69	16.37	18.39	17.78	20.32	20.15	22.54	21.28	23.89	24.21	25.27	13.05	11.92	11.917
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	17	17	16	18	19	19	20	21	22	20	21	18	18	16	17	15	15	14	28	31	30.6 days
DIO	0	0	—	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	—	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	17	17	—	—	—	—	—	21	22	20	21	18	18	16	17	15	15	14	28	31	—
Fixed Asset Turnover	snapshot only																				27.714
Cash Velocity	snapshot only																				0.216
Capital Intensity	snapshot only																				5.736

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	8.8%	7.7%	8.0%	7.3%	0.9%	-2.7%	-5.3%	-3.9%	1.4%	10.9%	16.6%	20.6%	18.6%	15.2%	12.2%	7.4%	5.8%	0.2%	-0.9%	1.3%	1.34%
Net Income	43.1%	65.1%	1.1%	64.1%	38.5%	21.9%	-11.3%	-25.1%	-22.7%	-16.2%	-2.8%	10.5%	10.2%	4.7%	2.2%	-3.2%	-4.6%	-5.4%	-5.1%	-4.8%	-4.78%
EPS	44.0%	68.5%	1.1%	72.1%	43.8%	24.9%	-10.4%	-24.9%	-22.5%	-15.8%	-2.1%	10.8%	10.7%	5.5%	5.0%	2.3%	0.5%	3.8%	4.3%	5.3%	5.30%
FCF	-2.3%	-2.6%	-6.7%	-15.2%	-13.0%	-17.3%	-15.7%	13.8%	18.6%	29.8%	33.6%	16.3%	17.5%	11.3%	8.5%	5.9%	-0.6%	0.5%	-4.1%	-3.4%	-3.38%
EBITDA	43.7%	66.0%	1.0%	62.5%	37.2%	20.7%	-11.1%	-23.9%	-21.2%	-14.8%	-1.4%	9.8%	9.6%	4.5%	2.1%	-2.3%	-3.8%	-4.1%	-3.5%	-2.7%	-2.70%
Op. Income	45.0%	67.8%	1.0%	63.5%	37.4%	20.2%	-12.4%	-25.6%	-23.2%	-16.7%	-3.0%	8.9%	8.9%	3.9%	1.6%	-2.9%	-3.6%	-3.9%	-3.2%	-2.4%	-2.37%
OCF Growth	snapshot only																				-3.80%
Asset Growth	snapshot only																				5.14%
Equity Growth	snapshot only																				-0.17%
Debt Growth	snapshot only																				0.27%
Shares Change	snapshot only																				-9.57%
Dividend Growth	snapshot only																				12.71%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	14.0%	12.7%	11.7%	9.9%	7.3%	4.9%	3.5%	3.1%	3.6%	5.1%	6.0%	7.5%	6.7%	7.5%	7.4%	7.6%	8.4%	8.6%	9.0%	9.5%	9.49%
Revenue 5Y	18.9%	17.5%	16.7%	15.4%	13.7%	11.7%	10.0%	9.1%	8.7%	9.1%	9.0%	9.0%	8.2%	8.1%	7.7%	7.3%	6.9%	6.1%	5.8%	6.2%	6.23%
EPS 3Y	3.1%	9.1%	15.3%	17.1%	13.8%	11.1%	4.8%	11.9%	17.1%	21.0%	23.1%	12.7%	7.3%	3.5%	-2.7%	-5.3%	-4.8%	-2.7%	2.4%	6.1%	6.07%
EPS 5Y	20.4%	20.8%	23.8%	24.3%	22.6%	15.0%	9.3%	5.7%	4.1%	6.5%	6.1%	6.0%	4.8%	4.0%	3.4%	9.7%	12.3%	14.2%	15.4%	9.0%	9.03%
Net Income 3Y	7.6%	13.4%	19.2%	20.6%	17.2%	14.4%	8.0%	13.6%	15.3%	19.0%	21.0%	10.8%	5.7%	2.3%	-4.1%	-7.1%	-6.7%	-6.0%	-1.9%	0.6%	0.61%
Net Income 5Y	25.0%	25.1%	27.7%	27.9%	25.3%	17.0%	11.4%	7.6%	5.9%	8.3%	7.9%	7.7%	6.5%	5.6%	4.6%	9.4%	10.0%	10.8%	11.4%	4.6%	4.60%
EBITDA 3Y	14.2%	14.2%	19.1%	20.4%	17.2%	14.4%	8.1%	14.0%	15.8%	19.5%	20.9%	10.7%	5.8%	2.4%	-3.6%	-6.5%	-6.0%	-5.1%	-0.9%	1.4%	1.44%
EBITDA 5Y	21.2%	21.4%	24.2%	24.4%	22.0%	19.8%	14.8%	11.4%	10.0%	8.9%	8.2%	7.9%	6.8%	5.9%	4.9%	9.7%	10.4%	11.3%	11.7%	5.2%	5.24%
Gross Profit 3Y	11.9%	12.1%	16.1%	17.1%	14.3%	12.1%	7.2%	11.8%	14.3%	18.1%	20.0%	12.8%	8.5%	6.3%	1.1%	-1.6%	-1.0%	-1.3%	1.9%	4.1%	4.06%
Gross Profit 5Y	17.4%	17.6%	19.8%	20.1%	18.0%	16.4%	12.5%	9.9%	9.3%	8.8%	8.6%	8.7%	7.7%	7.5%	6.8%	10.6%	11.3%	11.6%	11.7%	6.6%	6.56%
Op. Income 3Y	14.5%	14.6%	19.6%	20.9%	17.5%	14.5%	7.9%	13.6%	15.2%	18.9%	20.2%	9.8%	4.7%	1.3%	-4.8%	-7.7%	-6.9%	-6.0%	-1.6%	1.1%	1.09%
Op. Income 5Y	21.1%	21.4%	24.3%	24.5%	22.1%	19.9%	14.7%	11.2%	9.7%	8.5%	7.8%	7.4%	6.3%	5.4%	4.3%	9.2%	9.9%	10.9%	11.3%	4.7%	4.67%
FCF 3Y	5.0%	4.4%	9.2%	3.9%	2.5%	-0.1%	-1.2%	1.3%	0.2%	1.5%	1.6%	3.9%	6.6%	6.1%	6.9%	11.9%	11.5%	13.2%	11.6%	6.0%	5.96%
FCF 5Y	21.8%	21.2%	20.0%	15.8%	13.3%	9.8%	2.9%	4.3%	3.6%	4.1%	7.9%	8.2%	8.5%	7.6%	6.9%	5.1%	3.3%	3.2%	1.8%	2.8%	2.79%
OCF 3Y	5.0%	4.3%	9.0%	3.8%	2.5%	-0.1%	-1.2%	1.3%	0.3%	1.6%	1.9%	4.2%	6.8%	6.7%	7.3%	12.2%	12.0%	13.3%	11.7%	6.1%	6.15%
OCF 5Y	21.5%	21.0%	19.9%	15.7%	13.2%	9.8%	3.0%	4.2%	3.6%	4.1%	8.0%	8.3%	8.6%	7.9%	7.1%	5.3%	3.6%	3.3%	1.9%	2.9%	2.93%
Assets 3Y	23.1%	22.0%	18.5%	16.0%	14.3%	13.9%	12.3%	6.9%	6.1%	7.3%	7.2%	6.6%	8.4%	7.5%	8.9%	9.4%	9.8%	9.1%	8.5%	8.3%	8.26%
Assets 5Y	25.2%	24.9%	23.0%	20.7%	17.5%	16.4%	16.7%	16.0%	15.3%	15.3%	14.4%	13.6%	13.9%	12.9%	11.5%	8.1%	7.6%	7.4%	7.3%	6.6%	6.57%
Equity 3Y	23.5%	21.4%	18.6%	16.5%	14.6%	14.3%	14.4%	9.3%	8.7%	9.7%	10.1%	9.6%	10.6%	9.8%	10.3%	9.9%	10.1%	8.9%	7.0%	6.2%	6.16%
Book Value 3Y	18.3%	16.9%	14.6%	13.1%	11.2%	11.0%	11.0%	7.8%	10.4%	11.6%	11.9%	11.5%	12.3%	11.1%	11.9%	12.1%	12.3%	12.8%	11.7%	11.9%	11.92%
Dividend 3Y	-0.2%	-0.1%	0.9%	2.1%	2.6%	2.8%	3.0%	4.7%	7.4%	6.6%	5.7%	5.2%	4.8%	4.8%	4.8%	4.8%	4.0%	4.7%	5.2%	6.1%	6.10%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.99	0.98	0.98	0.97	0.93	0.87	0.83	0.84	0.86	0.89	0.87	0.88	0.88	0.88	0.84	0.85	0.89	0.88	0.85	0.87	0.873
Earnings Stability	0.76	0.72	0.63	0.75	0.76	0.72	0.54	0.52	0.50	0.58	0.44	0.48	0.47	0.46	0.31	0.33	0.31	0.29	0.17	0.01	0.011
Margin Stability	0.89	0.86	0.83	0.83	0.83	0.82	0.82	0.83	0.83	0.82	0.82	0.87	0.90	0.90	0.92	0.85	0.83	0.81	0.83	0.93	0.925
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.000
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	0.83	0.50	0.50	0.50	0.85	0.91	0.95	0.90	0.91	0.94	0.99	0.96	0.96	0.98	0.99	0.99	0.98	0.98	0.98	0.98	0.981
Earnings Smoothness	0.65	0.51	0.31	0.51	0.68	0.80	0.88	0.71	0.74	0.82	0.97	0.90	0.90	0.95	0.98	0.97	0.95	0.94	0.95	0.95	0.951
ROE Trend	-0.00	0.01	0.05	0.08	0.07	0.05	0.01	-0.03	-0.04	-0.04	-0.04	-0.04	-0.04	-0.03	-0.02	-0.01	-0.01	-0.01	-0.01	-0.01	-0.011
Gross Margin Trend	0.05	0.15	0.29	0.38	0.36	0.35	0.18	-0.02	-0.06	-0.10	-0.12	-0.12	-0.13	-0.14	-0.10	-0.07	-0.07	-0.07	-0.07	-0.09	-0.087
FCF Margin Trend	-0.03	-0.03	-0.06	-0.15	-0.13	-0.14	-0.13	0.03	0.05	0.05	0.05	0.03	0.04	0.03	0.02	-0.02	-0.04	-0.01	-0.03	-0.04	-0.035
Sustainable Growth Rate	13.9%	14.9%	18.2%	19.3%	18.4%	17.0%	14.2%	12.6%	12.4%	12.3%	12.1%	12.4%	11.9%	11.4%	11.1%	10.7%	10.2%	10.0%	9.9%	9.8%	9.83%
Internal Growth Rate	11.5%	12.4%	15.7%	17.1%	16.2%	14.8%	12.3%	10.9%	10.7%	10.8%	10.6%	11.0%	10.4%	9.9%	9.6%	9.3%	8.7%	8.5%	8.3%	8.1%	8.13%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.12	1.04	0.86	0.69	0.70	0.71	0.81	1.04	1.08	1.10	1.12	1.10	1.15	1.18	1.20	1.21	1.21	1.24	1.20	1.23	1.225
FCF/OCF	1.00	1.00	1.00	0.99	0.99	0.99	0.99	1.00	1.00	0.99	0.99	0.99	0.99	0.98	0.99	0.99	0.98	0.99	0.99	0.99	0.990
FCF/Net Income	snapshot only																				1.213
OCF/EBITDA	snapshot only																				0.972
CapEx/Revenue	0.3%	0.2%	0.3%	0.3%	0.3%	0.4%	0.4%	0.3%	0.3%	0.4%	0.7%	0.7%	0.7%	1.3%	1.0%	0.9%	1.3%	0.6%	0.6%	0.6%	0.62%
CapEx/Depreciation	snapshot only																				1.654
Accruals Ratio	-0.01	-0.01	0.02	0.05	0.05	0.04	0.02	-0.01	-0.01	-0.01	-0.01	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.021
Sloan Accruals	snapshot only																				-0.035
Cash Flow Adequacy	snapshot only																				6.323
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.7%	1.7%	2.0%	2.2%	2.5%	2.3%	2.4%	2.1%	2.2%	2.0%	1.8%	1.9%	1.7%	2.1%	2.0%	2.0%	1.9%	1.9%	2.2%	2.1%	2.05%
Dividend/Share	$0.67	$0.71	$0.75	$0.79	$0.82	$0.86	$0.90	$0.95	$0.98	$0.99	$1.02	$1.05	$1.08	$1.11	$1.16	$1.20	$1.21	$1.26	$1.30	$1.35	$1.36
Payout Ratio	12.0%	11.4%	9.9%	9.5%	10.2%	11.1%	13.4%	15.2%	15.6%	15.3%	15.4%	15.2%	15.6%	16.2%	16.6%	17.0%	17.4%	17.7%	17.9%	18.2%	18.18%
FCF Payout Ratio	10.8%	11.0%	11.6%	13.9%	14.6%	15.8%	16.5%	14.6%	14.6%	14.0%	13.9%	13.9%	13.7%	14.0%	14.1%	14.2%	14.6%	14.4%	15.0%	15.0%	14.98%
Total Payout Ratio	27.2%	35.4%	38.4%	36.1%	29.5%	22.9%	19.4%	22.8%	24.0%	25.4%	24.3%	22.7%	23.8%	31.5%	53.5%	75.1%	92.4%	17.7%	18.2%	21.6%	21.60%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.15	0.14	0.16	0.19	0.21	0.21	0.22	0.22	0.20	0.17	0.14	0.12	0.12	0.13	0.12	0.10	0.08	0.05	0.05	0.04	0.040
Buyback Yield	2.1%	3.6%	5.7%	6.1%	4.8%	2.5%	1.1%	1.1%	1.2%	1.3%	1.0%	1.0%	0.9%	2.0%	4.5%	6.8%	8.3%	0.0%	0.0%	0.4%	0.40%
Net Buyback Yield	2.1%	3.6%	5.7%	6.1%	4.8%	2.5%	1.1%	1.1%	1.2%	1.3%	1.0%	1.0%	0.9%	2.0%	4.5%	6.8%	8.3%	0.0%	0.0%	0.4%	0.40%
Total Shareholder Return	3.8%	5.2%	7.6%	8.3%	7.3%	4.8%	3.5%	3.2%	3.3%	3.3%	2.8%	2.9%	2.6%	4.1%	6.5%	8.8%	10.2%	1.9%	2.3%	2.5%	2.50%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.83	0.83	0.83	0.84	0.84	0.84	0.85	0.84	0.84	0.85	0.85	0.85	0.85	0.85	0.85	0.85	0.84	0.84	0.84	0.83	0.829
Interest Burden (EBT/EBIT)	0.99	0.99	0.99	0.99	0.99	0.98	0.98	0.97	0.97	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.962
EBIT Margin	0.75	0.81	0.95	1.03	1.02	1.00	0.89	0.81	0.79	0.77	0.75	0.74	0.73	0.70	0.68	0.67	0.66	0.67	0.66	0.64	0.645
Asset Turnover	0.19	0.19	0.19	0.19	0.18	0.17	0.17	0.18	0.18	0.18	0.19	0.19	0.19	0.19	0.19	0.19	0.18	0.18	0.17	0.18	0.179
Equity Multiplier	1.35	1.35	1.34	1.32	1.32	1.32	1.30	1.28	1.28	1.27	1.27	1.25	1.27	1.26	1.26	1.26	1.27	1.28	1.30	1.31	1.307

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$5.61	$6.20	$7.55	$8.32	$8.06	$7.74	$6.77	$6.24	$6.25	$6.52	$6.62	$6.92	$6.92	$6.87	$6.96	$7.07	$6.95	$7.14	$7.26	$7.45	$7.45
Book Value/Share	$37.42	$38.50	$38.82	$39.82	$40.01	$41.54	$43.21	$44.20	$44.92	$47.77	$48.95	$50.38	$52.94	$52.81	$54.44	$56.13	$56.73	$59.55	$60.23	$61.97	$62.41
Tangible Book/Share	$37.30	$38.36	$38.71	$39.72	$39.91	$41.41	$43.21	$44.20	$44.32	$47.08	$48.27	$49.72	$52.28	$52.06	$53.68	$55.35	$55.87	$58.75	$58.81	$60.37	$60.37
Revenue/Share	$9.15	$9.35	$9.65	$9.78	$9.57	$9.32	$9.22	$9.41	$9.74	$10.39	$10.84	$11.39	$11.60	$12.05	$12.49	$12.92	$12.93	$13.25	$13.61	$14.48	$14.58
FCF/Share	$6.24	$6.42	$6.44	$5.69	$5.63	$5.44	$5.48	$6.48	$6.70	$7.11	$7.37	$7.56	$7.90	$7.96	$8.21	$8.46	$8.27	$8.78	$8.66	$9.04	$9.10
OCF/Share	$6.26	$6.45	$6.47	$5.72	$5.66	$5.48	$5.51	$6.51	$6.73	$7.14	$7.45	$7.64	$7.98	$8.12	$8.33	$8.58	$8.44	$8.86	$8.74	$9.13	$9.19
Cash/Share	$3.37	$45.85	$6.64	$4.04	$3.83	$3.10	$46.65	$47.53	$47.60	$1.33	$51.82	$52.94	$56.87	$56.63	$58.59	$59.95	$0.90	$1.27	$65.31	$66.89	$67.37
EBITDA/Share	$6.85	$7.58	$9.16	$10.07	$9.75	$9.37	$8.22	$7.68	$7.71	$8.03	$8.16	$8.46	$8.49	$8.45	$8.56	$8.73	$8.60	$8.89	$9.09	$9.39	$9.39
Debt/Share	$2.90	$3.82	$3.87	$3.92	$3.92	$3.92	$3.91	$3.93	$3.94	$3.95	$3.95	$3.96	$4.63	$4.66	$4.76	$4.89	$4.89	$5.82	$5.24	$5.43	$5.43
Net Debt/Share	$-0.48	$-42.03	$-2.77	$-0.12	$0.09	$0.82	$-42.73	$-43.60	$-43.66	$2.62	$-47.87	$-48.98	$-52.24	$-51.97	$-53.84	$-55.06	$3.99	$4.55	$-60.07	$-61.46	$-61.46

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	21.434
Altman Z-Prime	snapshot only																				6.121
Piotroski F-Score	8	7	7	6	6	4	4	5	5	6	6	8	6	5	5	5	6	4	5	5	5
Beneish M-Score	-2.62	-2.61	-2.57	-2.41	-2.34	1.03	-1.75	-2.06	-0.02	-2.32	-2.39	-2.56	-2.65	-2.56	-2.71	-2.58	-2.54	-2.44	-0.40	-0.49	-0.486
Ohlson O-Score	snapshot only																				-9.837
Net-Net WC	snapshot only																				$-18.43
EVA	snapshot only																				$676075500.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AAA
Credit Score	96.51	97.49	97.41	97.58	95.82	96.89	96.53	96.87	95.76	95.48	94.91	95.39	94.86	94.61	95.63	94.67	94.44	95.33	96.42	95.12	95.119
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				0.447
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				85
Sector Credit Rank	snapshot only																				96

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