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EVTC NYSE

EVERTEC, Inc.
1W: -3.2% 1M: +11.7% 3M: -3.5% YTD: +7.3% 1Y: -0.8% 3Y: -11.3% 5Y: -34.7%
$30.72
-0.22 (-0.71%)
After Hours: $32.42 (+1.70, +5.55%)
Weekly Expected Move ±5.1%
$29 $31 $32 $34 $36
NYSE · Industrials · Specialty Business Services · Tech Score Buy · Power 67 · $1.9B mcap · 59M float · 0.779% daily turnover · Short 66% of daily vol
Credit Risk of going bust: higher than 59% of companies Debt: 41.0% of company value Bonds: none of note held by US funds details ▾
Of US companies ranked in the middle of the pack, about 1 in 580 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $1.55 (down 95%), EVERTEC, Inc. would be worth roughly what it owes.
Total debt $1.32B against a stock market value of $1.91B.
Distance to default 4.31 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $675.8M (short-term plus half of long-term), stock volatility 41.2%; Altman Z'' 2.45. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

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

WEAK EDGE
45.1 / 100
NoneWeakNarrowWide
Primary source: Efficient Scale  ·  ROIC: 8.3%  ·  5Y Avg: 15.6%
Cost Advantage
54
Intangibles
33
Switching Cost
53
Network Effect
28
Scale ★
57
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. EVTC shows a Weak competitive edge (45.1/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 8.3% 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
$34
Low
$34
Avg Target
$34
High
Based on 1 analyst since Aug 4, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 11Hold: 7Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$34.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-08-06 Morgan Stanley — $25 $34 +9 +10.3% $30.82
2026-05-19 Morgan Stanley — $35 $25 -10 +0.8% $24.81
2026-05-07 Raymond James — Initiated $34 — +28.1% $26.55
2025-05-20 Susquehanna James Friedman $28 $39 +11 +1.6% $38.37
2024-11-21 Morgan Stanley James Faucette Initiated $35 — +6.6% $32.82
2024-09-05 Susquehanna James Friedman Initiated $28 — -17.0% $33.73

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+
Oct 27, 2026
DCF
5
ROE
4
ROA
3
D/E
1
P/E
3
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. EVTC receives an overall rating of B+. Strongest factors: DCF (5/5), ROE (4/5). Areas of concern: D/E (1/5), P/B (2/5).
Rating Change History
DateFromTo
2026-08-05 A- B+
2026-05-12 A A-
2026-05-07 A- A
2026-05-06 A A-
2026-04-30 A- A
2026-02-18 B+ A-
2026-01-13 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.

★ ★ ★ ★ ★ 39 Grade C
Profitability
42
Balance Sheet
36
Earnings Quality
70
Growth
32
Value
58
Momentum
62
Safety
30
Cash Flow
67
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. EVTC scores highest in Earnings Quality (70/100) and lowest in Safety (30/100). 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 Z-Score
1.75
Distress Zone
Piotroski F-Score
4/9
✓ ✓ ✗ ✓ ✗ ✗ ✓ ✗ ✗
Beneish M-Score
-2.38
Unlikely Manipulator
Ohlson O-Score
-6.18
Bankruptcy prob: 0.2%
Low Risk
Credit Rating
BB
Score: 42.3/100
Trend: Deteriorating
Earnings Quality
75/100
OCF/NI: 2.37x
Accruals: -6.0%
The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. EVTC scores 1.75, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. EVTC scores 4/9, 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. EVTC's score of -2.38 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. EVTC'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. EVTC receives an estimated rating of BB (score: 42.3/100), 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). EVTC'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
19.97x
PEG
-0.70x
P/S
1.90x
P/B
2.92x
P/FCF
9.98x
P/OCF
7.37x
EV/EBITDA
7.73x
EV/Revenue
2.78x
EV/EBIT
12.83x
EV/FCF
16.19x
Earnings Yield
5.72%
FCF Yield
10.02%
Shareholder Yield
8.50%
Graham Number
$19.31
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 20.0x earnings, EVTC trades at a reasonable valuation. An earnings yield of 5.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $19.31 per share, 59% 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
0.761
NI / EBT
×
Interest Burden
0.594
EBT / EBIT
×
EBIT Margin
0.217
EBIT / Rev
×
Asset Turnover
0.449
Rev / Assets
×
Equity Multiplier
3.542
Assets / Equity
=
ROE
15.6%
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. EVTC's ROE of 15.6% is driven by financial leverage (equity multiplier: 3.54x). 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
0.00%
Fair P/E
8.50x
Intrinsic Value
$13.50
Price/Value
2.06x
Margin of Safety
-105.81%
Premium
105.81%
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 EVTC's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. EVTC trades at a 106% premium to its adjusted intrinsic value of $13.50, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 20.0x.

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
$30.73
Median 1Y
$28.71
5th Pctile
$15.97
95th Pctile
$51.84
Ann. Volatility
34.1%
Analyst Target
$34.00
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
Morgan M. Schuessler,
Jr. President and CEO
$856,960 $6,800,000 $9,245,391
Joaquín A. Castrillo
Senior Executive Vice President and COO
$473,494 $1,950,000 $3,054,648
Diego Viglianco CIO
cutive Vice President and CIO
$470,452 $1,950,000 $2,908,521
Luis A. Rodríguez
Executive Vice President
$411,261 $1,300,000 $2,148,070
Paola Pérez
Executive Vice President
$411,261 $1,300,000 $2,113,168
Karla Cruz Jusino
Executive Vice President, CFO and Treasurer
$266,635 $275,000 $916,984

CEO Pay Ratio

0:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $9,245,391
Avg Employee Cost (SGA/emp): $49,104,651
Employees: 5,327

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
5,327
+11.0% YoY
Revenue / Employee
$174,924
Rev: $931,818,000
Profit / Employee
$26,580
NI: $141,590,000
SGA / Employee
$49,104,651
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
ROE 41.7% 40.1% 39.1% 33.0% 57.4% 51.0% 46.1% 43.1% 19.7% 15.0% 12.9% 13.6% 16.2% 21.1% 24.7% 25.2% 25.1% 25.9% 21.9% 15.6% 15.57%
ROA 14.3% 14.5% 14.9% 13.3% 22.6% 21.0% 20.0% 19.2% 8.3% 5.0% 4.2% 4.5% 5.4% 5.7% 6.6% 7.2% 7.2% 6.9% 6.3% 4.4% 4.39%
ROIC 24.7% 25.4% 25.3% 23.1% 21.3% 19.1% 18.0% 16.6% 18.2% 9.9% 9.7% 11.9% 11.1% 13.6% 13.9% 14.2% 14.3% 12.0% 11.2% 8.3% 8.34%
ROCE 20.3% 20.6% 20.9% 19.8% 32.3% 31.7% 29.4% 28.1% 13.3% 6.6% 7.1% 7.4% 9.6% 11.9% 12.4% 13.1% 12.0% 11.4% 10.8% 10.1% 10.11%
Gross Margin 56.8% 56.2% 57.0% 53.7% 47.7% 52.2% 52.2% 51.8% 40.4% 49.3% 33.3% 38.5% 51.6% 51.9% 49.9% 52.1% 33.0% 51.1% 37.3% 40.2% 40.24%
Operating Margin 32.2% 32.3% 30.6% 29.1% 16.3% 25.3% 25.1% 20.8% 22.8% 11.2% 16.0% 20.5% 19.6% 22.2% 21.6% 24.4% 16.5% 17.6% 18.0% 19.4% 19.39%
Net Margin 24.2% 26.5% 25.9% 20.9% 94.5% 17.7% 18.8% 16.9% 5.8% 5.9% 7.8% 15.0% 11.7% 18.5% 14.3% 17.6% 14.4% 14.5% 9.6% 2.0% 1.97%
EBITDA Margin 45.8% 46.3% 46.4% 41.6% 1.2% 38.0% 37.3% 38.4% 18.8% 29.8% 36.3% 36.8% 37.4% 40.0% 37.2% 40.0% 34.3% 38.2% 34.3% 36.9% 36.89%
FCF Margin 32.3% 27.4% 35.2% 33.2% 28.6% 27.2% 24.9% 23.7% 22.6% 20.1% 15.8% 15.7% 17.2% 20.3% 19.4% 15.8% 16.1% 14.5% 13.5% 17.2% 17.18%
OCF Margin 44.6% 38.7% 43.5% 39.8% 34.1% 35.7% 33.0% 34.6% 34.4% 32.3% 28.4% 29.2% 29.8% 30.8% 29.6% 24.2% 25.7% 24.4% 23.2% 23.2% 23.25%
ROE 3Y Avg snapshot only 17.36%
ROE 5Y Avg snapshot only 24.68%
ROA 3Y Avg snapshot only 4.88%
ROIC 3Y Avg snapshot only 8.16%
ROIC Economic snapshot only 7.31%
Cash ROA snapshot only 9.34%
Cash ROIC snapshot only 13.58%
CROIC snapshot only 10.04%
NOPAT Margin snapshot only 14.28%
Pretax Margin snapshot only 12.87%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 18.87%
SBC / Revenue snapshot only 3.09%
Valuation
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
P/E Ratio 21.37 22.14 17.74 17.51 8.21 8.77 9.47 10.58 24.90 33.64 39.90 30.93 25.91 19.71 18.35 16.91 14.97 13.11 13.31 17.49 19.968
P/S Ratio 5.72 6.05 4.86 4.26 3.37 3.39 3.47 3.75 3.65 3.86 3.54 2.73 2.64 2.63 2.73 2.63 2.42 1.99 1.86 1.71 1.902
P/B Ratio 7.68 7.65 5.95 5.13 4.57 4.44 4.29 4.45 4.53 4.51 5.16 4.44 4.33 4.70 4.38 3.81 3.30 2.99 2.64 2.66 2.920
P/FCF 17.70 22.08 13.80 12.86 11.78 12.44 13.96 15.79 16.11 19.25 22.40 17.37 15.38 12.93 14.11 16.60 15.02 13.70 13.73 9.98 9.975
P/OCF 12.82 15.61 11.17 10.71 9.88 9.49 10.51 10.83 10.60 11.96 12.45 9.36 8.86 8.53 9.23 10.85 9.42 8.18 8.01 7.37 7.371
EV/EBITDA 13.09 13.54 10.96 10.16 6.06 6.35 6.72 7.26 12.17 15.74 14.77 11.77 9.90 9.14 9.31 8.72 8.13 7.69 7.48 7.73 7.730
EV/Revenue 6.16 6.42 5.19 4.57 3.78 3.81 3.87 4.10 4.00 4.86 4.58 3.65 3.48 3.44 3.52 3.37 3.08 2.88 2.74 2.78 2.781
EV/EBIT 18.07 18.52 14.93 14.07 7.61 8.05 8.65 9.51 20.50 29.06 29.24 24.07 18.47 15.57 15.04 13.46 12.27 12.02 12.15 12.83 12.834
EV/FCF 19.04 23.45 14.74 13.78 13.21 14.00 15.55 17.27 17.69 24.21 28.97 23.17 20.27 16.97 18.21 21.29 19.08 19.81 20.29 16.19 16.191
Earnings Yield 4.7% 4.5% 5.6% 5.7% 12.2% 11.4% 10.6% 9.4% 4.0% 3.0% 2.5% 3.2% 3.9% 5.1% 5.5% 5.9% 6.7% 7.6% 7.5% 5.7% 5.72%
FCF Yield 5.7% 4.5% 7.2% 7.8% 8.5% 8.0% 7.2% 6.3% 6.2% 5.2% 4.5% 5.8% 6.5% 7.7% 7.1% 6.0% 6.7% 7.3% 7.3% 10.0% 10.02%
EV/OCF snapshot only 11.965
EV/Gross Profit snapshot only 6.866
Acquirers Multiple snapshot only 15.508
Shareholder Yield snapshot only 8.50%
Graham Number snapshot only $19.31
Leverage & Solvency
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Current Ratio 2.64 2.85 2.95 2.95 2.22 1.87 2.01 1.98 1.62 1.88 1.59 1.82 1.97 1.89 1.99 2.20 2.91 2.07 1.97 1.70 1.702
Quick Ratio 2.64 2.61 2.95 2.95 2.22 1.87 2.01 1.98 1.62 1.88 1.59 1.82 1.97 1.89 1.99 2.20 2.91 2.07 1.97 1.70 1.702
Debt/Equity 1.16 1.04 0.98 0.94 1.05 0.95 0.83 0.78 0.78 1.66 2.09 2.01 1.92 2.05 1.76 1.55 1.64 1.87 1.70 2.06 2.065
Net Debt/Equity 0.58 0.47 0.41 0.37 0.55 0.56 0.49 0.42 0.44 1.16 1.51 1.48 1.38 1.47 1.27 1.07 0.89 1.33 1.26 1.66 1.658
Debt/Assets 0.44 0.43 0.42 0.41 0.42 0.39 0.37 0.35 0.34 0.48 0.53 0.52 0.51 0.52 0.50 0.48 0.51 0.52 0.49 0.53 0.534
Debt/EBITDA 1.84 1.74 1.70 1.73 1.24 1.20 1.17 1.16 1.90 4.60 4.63 4.00 3.34 3.03 2.90 2.77 3.19 3.32 3.25 3.69 3.695
Net Debt/EBITDA 0.92 0.79 0.70 0.68 0.65 0.70 0.69 0.62 1.09 3.22 3.35 2.94 2.39 2.18 2.10 1.92 1.73 2.37 2.42 2.97 2.967
Interest Coverage 8.25 8.97 9.30 8.74 12.78 11.81 11.28 11.14 5.50 3.59 2.49 1.99 2.14 2.50 2.84 3.18 3.35 3.27 3.13 2.99 2.990
Equity Multiplier 2.62 2.46 2.37 2.30 2.48 2.40 2.24 2.19 2.29 3.47 3.94 3.91 3.77 3.93 3.54 3.20 3.24 3.61 3.44 3.87 3.866
Cash Ratio snapshot only 0.757
Debt Service Coverage snapshot only 4.965
Cash to Debt snapshot only 0.197
FCF to Debt snapshot only 0.129
Defensive Interval snapshot only 719.5 days
Efficiency & Turnover
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Asset Turnover 0.53 0.53 0.55 0.55 0.55 0.54 0.55 0.54 0.57 0.44 0.47 0.51 0.53 0.43 0.44 0.46 0.45 0.45 0.45 0.45 0.449
Inventory Turnover — 13.18 — — — 15.42 — — — — — — — — — — — — — — —
Receivables Turnover 5.48 7.81 5.86 6.07 5.89 7.06 5.39 5.84 5.80 5.89 5.50 6.78 6.67 6.32 5.78 6.35 6.34 6.06 5.67 5.87 5.868
Payables Turnover 6.85 6.97 8.88 8.67 8.38 10.05 7.79 7.34 7.86 7.45 7.34 8.51 8.83 7.57 6.65 7.63 9.55 8.13 8.12 10.69 10.686
DSO 67 47 62 60 62 52 68 62 63 62 66 54 55 58 63 57 58 60 64 62 62.2 days
DIO 0 28 0 0 0 24 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 53 52 41 42 44 36 47 50 46 49 50 43 41 48 55 48 38 45 45 34 34.2 days
Cash Conversion Cycle 13 22 21 18 18 39 21 13 16 13 17 11 13 10 8 10 19 15 19 28 28.0 days
Fixed Asset Turnover snapshot only 15.026
Cash Velocity snapshot only 3.822
Capital Intensity snapshot only 2.489
Growth (YoY)
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue 12.9% 15.5% 13.7% 9.4% 7.6% 4.9% 4.6% 3.7% 8.2% 12.3% 17.9% 23.7% 24.5% 21.7% 17.4% 12.9% 9.7% 10.2% 9.4% 12.4% 12.36%
Net Income 56.7% 54.3% 39.8% -1.7% 65.1% 48.3% 39.9% 50.9% -61.4% -66.6% -71.5% -69.1% -13.3% 41.3% 97.0% 98.7% 73.8% 25.7% 2.5% -29.2% -29.24%
EPS 57.0% 54.6% 39.9% -0.7% 79.4% 64.5% 55.3% 66.2% -60.7% -66.9% -71.8% -69.0% -11.9% 44.8% 1.0% 99.6% 73.4% 27.4% 6.2% -25.3% -25.30%
FCF 35.7% -3.8% 44.2% 26.4% -4.8% 4.3% -26.2% -25.7% -14.4% -17.3% -25.1% -18.0% -5.6% 23.2% 43.8% 13.7% 2.9% -21.0% -23.5% 21.8% 21.84%
EBITDA 25.7% 26.8% 21.6% 3.5% 42.6% 32.8% 26.9% 30.3% -42.9% -42.3% -36.5% -32.1% 33.1% 48.6% 43.5% 40.9% 18.0% 9.6% 6.0% 4.5% 4.55%
Op. Income 35.6% 39.0% 28.6% 4.2% -10.1% -19.9% -23.3% -26.5% -6.8% -13.5% -14.9% -1.5% -10.2% 21.7% 41.5% 42.0% 37.2% 12.5% -0.5% -8.4% -8.45%
OCF Growth snapshot only 7.78%
Asset Growth snapshot only 26.42%
Equity Growth snapshot only 4.75%
Debt Growth snapshot only 39.60%
Shares Change snapshot only -5.28%
Dividend Growth snapshot only 3.54%
Growth (CAGR)
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue 3Y 9.3% 9.1% 9.1% 9.1% 8.5% 8.3% 8.6% 9.3% 9.5% 10.8% 11.9% 12.0% 13.1% 12.8% 13.1% 13.2% 13.9% 14.6% 14.8% 16.2% 16.23%
Revenue 5Y 8.2% 8.7% 8.7% 8.8% 8.4% 8.7% 8.6% 8.3% 8.7% 8.9% 9.9% 10.7% 11.5% 11.6% 12.1% 12.8% 12.4% 12.8% 12.5% 12.2% 12.23%
EPS 3Y 29.5% 24.1% 22.8% 16.0% 40.7% 37.0% 37.4% 41.9% 3.5% -5.5% -15.0% -20.0% -14.7% -7.6% -4.0% 1.0% -15.6% -15.1% -15.5% -22.6% -22.64%
EPS 5Y 13.9% 16.7% 15.9% 13.9% 33.3% 36.9% 36.1% 35.9% 8.9% 0.8% -4.1% -4.2% -0.7% 4.3% 8.1% 12.1% 11.1% 9.2% 5.6% -5.2% -5.25%
Net Income 3Y 28.4% 23.2% 22.3% 15.4% 36.6% 32.2% 32.5% 37.0% -0.1% -8.6% -17.7% -22.9% -18.0% -11.3% -7.7% -2.5% -16.6% -16.0% -16.8% -24.3% -24.28%
Net Income 5Y 13.5% 16.5% 15.8% 13.6% 31.0% 34.1% 33.1% 32.5% 6.2% -1.6% -6.1% -6.5% -3.2% 1.7% 5.5% 9.5% 8.5% 6.3% 2.4% -8.4% -8.42%
EBITDA 3Y 15.1% 13.8% 13.4% 10.7% 21.9% 19.5% 19.0% 20.6% 0.8% -0.9% -0.7% -2.9% 2.7% 4.4% 5.0% 7.6% -3.6% -2.0% -1.1% 0.0% 0.00%
EBITDA 5Y 9.2% 10.6% 10.4% 9.2% 18.9% 19.4% 18.5% 18.5% 4.4% 2.5% 3.3% 3.7% 6.6% 7.9% 9.0% 10.9% 9.9% 9.6% 8.3% 6.2% 6.16%
Gross Profit 3Y 11.3% 9.8% 9.5% 8.4% 6.4% 5.9% 5.8% 7.1% 5.6% 5.8% 2.8% -0.9% 2.6% 3.1% 6.5% 10.0% 8.7% 10.1% 8.4% 7.6% 7.60%
Gross Profit 5Y 9.0% 9.7% 9.6% 8.9% 9.3% 9.5% 8.8% 8.4% 6.3% 5.5% 4.1% 3.3% 5.4% 6.3% 8.9% 11.5% 8.9% 8.9% 6.9% 4.5% 4.46%
Op. Income 3Y 17.9% 16.2% 15.3% 11.8% 6.4% 2.9% 2.7% 3.0% 4.3% -1.2% -5.7% -9.0% -9.1% -5.5% -2.6% 0.9% 4.7% 5.8% 6.2% 8.6% 8.58%
Op. Income 5Y 11.2% 12.9% 12.2% 10.9% 12.0% 12.8% 11.2% 9.2% 6.5% 1.7% -0.0% 0.2% 0.1% 2.8% 5.5% 8.8% 6.9% 5.7% 3.4% -0.4% -0.41%
FCF 3Y 11.8% 7.1% 18.9% 22.4% 15.3% 11.9% 6.5% -0.8% 3.4% -6.0% -7.3% -8.3% -8.4% 2.0% -7.4% -11.5% -6.0% -7.0% -6.3% 4.3% 4.34%
FCF 5Y 10.2% 5.1% 12.5% 9.1% 8.4% 8.4% 6.4% 5.0% 2.6% 1.2% -1.4% 2.2% 4.4% 7.4% 5.4% -1.9% 1.4% -4.2% -2.6% 1.3% 1.29%
OCF 3Y 15.2% 9.8% 15.0% 12.3% 5.0% 7.0% 4.0% 4.7% 11.4% 4.1% 1.7% 0.8% -1.1% 4.4% -0.6% -4.1% 3.6% 0.9% 2.1% 1.8% 1.77%
OCF 5Y 9.4% 6.3% 9.9% 7.5% 6.6% 8.6% 6.6% 7.7% 6.6% 5.4% 4.2% 5.9% 6.4% 7.6% 6.8% 2.4% 7.1% 2.7% 2.0% 0.7% 0.68%
Assets 3Y 6.1% 7.3% 6.2% 7.2% 4.6% 3.8% 5.1% 5.0% 5.9% 24.3% 24.3% 20.9% 19.6% 17.5% 18.2% 18.8% 24.2% 25.6% 26.4% 28.4% 28.39%
Assets 5Y 5.0% 5.3% 5.6% 5.0% 4.4% 4.6% 4.4% 5.3% 5.6% 17.3% 15.6% 14.7% 14.1% 12.9% 14.4% 14.2% 15.9% 15.9% 17.1% 18.3% 18.29%
Equity 3Y 26.2% 30.2% 32.2% 31.4% 22.6% 20.8% 25.2% 24.8% 20.3% 20.7% 13.0% 7.1% 5.9% 0.4% 3.4% 6.4% 13.7% 9.6% 9.6% 6.3% 6.27%
Book Value 3Y 27.2% 31.2% 32.8% 32.0% 26.3% 25.3% 29.9% 29.3% 24.5% 24.8% 16.6% 11.1% 10.1% 4.6% 7.5% 10.2% 14.9% 10.8% 11.3% 8.6% 8.56%
Dividend 3Y 0.9% 0.8% -6.8% 0.5% 2.3% 2.1% 1.4% 0.4% 0.7% 1.4% 2.2% 3.6% 4.0% 3.7% 3.2% 2.9% 0.5% 0.8% 1.3% 1.5% 1.50%
Growth Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue Stability 0.97 0.95 0.96 0.96 0.98 0.98 0.98 0.97 0.99 0.96 0.94 0.91 0.90 0.91 0.93 0.94 0.95 0.96 0.97 0.95 0.948
Earnings Stability 0.67 0.77 0.79 0.75 0.80 0.87 0.92 0.89 0.27 0.14 0.08 0.06 0.00 0.00 0.00 0.01 0.01 0.01 0.04 0.21 0.211
Margin Stability 0.98 0.98 0.98 0.98 0.95 0.95 0.95 0.94 0.94 0.93 0.89 0.86 0.88 0.89 0.89 0.88 0.90 0.91 0.89 0.84 0.841
Rev. Growth Consistency 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
Earn. Growth Consistency 0.50 1.00 1.00 0.00 1.00 1.00 1.00 0.50 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 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 0.50 0.50 0.84 0.99 0.50 0.81 0.84 0.50 0.50 0.50 0.50 0.50 0.95 0.83 0.50 0.50 0.50 0.90 0.99 0.88 0.883
Earnings Smoothness 0.56 0.57 0.67 0.98 0.51 0.61 0.67 0.59 0.11 0.00 0.00 0.00 0.86 0.66 0.35 0.34 0.46 0.77 0.97 0.66 0.657
ROE Trend -0.00 -0.00 -0.02 -0.06 0.22 0.18 0.12 0.08 -0.28 -0.29 -0.26 -0.21 -0.20 -0.08 -0.05 -0.06 0.05 0.04 0.01 -0.03 -0.032
Gross Margin Trend 0.02 0.02 0.02 -0.00 -0.03 -0.04 -0.05 -0.06 -0.07 -0.07 -0.11 -0.13 -0.08 -0.07 0.01 0.06 0.01 0.00 -0.02 -0.05 -0.053
FCF Margin Trend 0.07 -0.01 0.08 0.03 -0.01 -0.03 -0.07 -0.07 -0.08 -0.07 -0.14 -0.13 -0.08 -0.03 -0.01 -0.04 -0.04 -0.06 -0.04 0.01 0.014
Sustainable Growth Rate 37.8% 36.5% 35.6% 29.8% 54.2% 48.0% 43.4% 40.6% 17.1% 12.5% 10.4% 11.1% 13.7% 18.7% 22.2% 22.8% 22.9% 23.5% 19.8% 13.6% 13.57%
Internal Growth Rate 14.8% 15.3% 15.8% 13.7% 27.0% 24.7% 23.2% 22.1% 7.7% 4.4% 3.5% 3.8% 4.8% 5.4% 6.3% 7.0% 7.1% 6.7% 6.0% 4.0% 3.98%
Cash Flow Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
OCF/Net Income 1.67 1.42 1.59 1.64 0.83 0.92 0.90 0.98 2.35 2.81 3.21 3.31 2.92 2.31 1.99 1.56 1.59 1.60 1.66 2.37 2.373
FCF/OCF 0.72 0.71 0.81 0.83 0.84 0.76 0.75 0.69 0.66 0.62 0.56 0.54 0.58 0.66 0.65 0.65 0.63 0.60 0.58 0.74 0.739
FCF/Net Income snapshot only 1.754
OCF/EBITDA snapshot only 0.646
CapEx/Revenue 12.3% 11.3% 8.3% 6.7% 5.5% 8.5% 8.2% 10.9% 11.8% 12.2% 12.6% 13.5% 12.6% 10.5% 10.2% 8.4% 9.6% 9.8% 9.7% 6.1% 6.07%
CapEx/Depreciation snapshot only 0.424
Accruals Ratio -0.10 -0.06 -0.09 -0.08 0.04 0.02 0.02 0.00 -0.11 -0.09 -0.09 -0.10 -0.10 -0.08 -0.07 -0.04 -0.04 -0.04 -0.04 -0.06 -0.060
Sloan Accruals snapshot only -0.095
Cash Flow Adequacy snapshot only 3.174
Earnings Quality Score snapshot only 0.750
Dividends & Buybacks
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Dividend Yield 0.4% 0.4% 0.5% 0.6% 0.7% 0.7% 0.6% 0.6% 0.5% 0.5% 0.5% 0.6% 0.6% 0.6% 0.5% 0.5% 0.6% 0.7% 0.7% 0.7% 0.65%
Dividend/Share $0.20 $0.20 $0.20 $0.20 $0.21 $0.21 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20
Payout Ratio 9.5% 8.9% 8.8% 9.7% 5.6% 5.8% 5.8% 5.8% 13.4% 16.3% 19.9% 18.8% 15.4% 11.4% 9.9% 9.3% 8.7% 9.0% 9.6% 12.8% 12.83%
FCF Payout Ratio 7.8% 8.9% 6.8% 7.1% 8.1% 8.2% 8.6% 8.7% 8.7% 9.3% 11.2% 10.5% 9.2% 7.5% 7.6% 9.1% 8.8% 9.4% 9.9% 7.3% 7.31%
Total Payout Ratio 25.5% 24.1% 27.8% 33.3% 34.5% 46.2% 41.3% 40.2% 62.6% 61.6% 1.7% 1.5% 1.3% 84.5% 19.4% 20.8% 11.3% 58.0% 76.9% 1.5% 1.49%
Div. Increase Streak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Chowder Number 0.01 0.01 -0.19 0.00 -0.01 -0.04 -0.06 -0.08 -0.07 -0.05 -0.02 -0.00 0.01 -0.01 -0.02 -0.01 -0.01 -0.00 -0.00 -0.01 -0.012
Buyback Yield 0.7% 0.7% 1.1% 1.4% 3.5% 4.6% 3.7% 3.2% 2.0% 1.3% 3.8% 4.2% 4.4% 3.7% 0.5% 0.7% 0.2% 3.7% 5.1% 7.8% 7.77%
Net Buyback Yield 0.7% 0.7% 1.1% 1.4% 3.5% 4.6% 3.7% 3.2% 2.0% 1.3% 3.8% 4.2% 4.4% 3.7% 0.5% 0.7% 0.2% 3.7% 5.1% 7.8% 7.77%
Total Shareholder Return 1.2% 1.1% 1.6% 1.9% 4.2% 5.3% 4.4% 3.8% 2.5% 1.8% 4.3% 4.8% 5.0% 4.3% 1.1% 1.2% 0.8% 4.4% 5.8% 8.5% 8.50%
DuPont Factors
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Tax Burden (NI/EBT) 0.89 0.89 0.88 0.85 0.90 0.89 0.90 0.90 0.90 0.93 0.95 1.02 0.93 0.94 0.92 0.91 0.92 0.92 0.91 0.76 0.761
Interest Burden (EBT/EBIT) 0.88 0.89 0.89 0.89 0.92 0.92 0.91 0.91 0.83 0.74 0.60 0.57 0.58 0.64 0.69 0.68 0.70 0.69 0.68 0.59 0.594
EBIT Margin 0.34 0.35 0.35 0.32 0.50 0.47 0.45 0.43 0.20 0.17 0.16 0.15 0.19 0.22 0.23 0.25 0.25 0.24 0.23 0.22 0.217
Asset Turnover 0.53 0.53 0.55 0.55 0.55 0.54 0.55 0.54 0.57 0.44 0.47 0.51 0.53 0.43 0.44 0.46 0.45 0.45 0.45 0.45 0.449
Equity Multiplier 2.93 2.76 2.61 2.48 2.55 2.43 2.30 2.24 2.38 2.99 3.09 3.01 3.01 3.67 3.73 3.51 3.47 3.75 3.48 3.54 3.542
Per Share
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
EPS (Diluted TTM) $2.09 $2.21 $2.26 $2.06 $3.75 $3.63 $3.51 $3.43 $1.47 $1.20 $0.99 $1.07 $1.30 $1.74 $1.99 $2.13 $2.25 $2.22 $2.12 $1.59 $1.59
Book Value/Share $5.82 $6.39 $6.74 $7.05 $6.74 $7.16 $7.74 $8.16 $8.09 $8.97 $7.65 $7.42 $7.77 $7.31 $8.36 $9.44 $10.23 $9.74 $10.68 $10.44 $11.80
Tangible Book/Share $-2.61 $-1.92 $-1.45 $-1.18 $-2.42 $-2.31 $-2.14 $-1.79 $-1.86 $-10.80 $-11.47 $-10.90 $-10.68 $-10.60 $-9.99 $-9.34 $-8.69 $-12.90 $-12.86 $-16.92 $-16.92
Revenue/Share $7.80 $8.08 $8.24 $8.48 $9.13 $9.39 $9.57 $9.69 $10.06 $10.48 $11.16 $12.05 $12.73 $13.08 $13.40 $13.67 $13.93 $14.60 $15.20 $16.21 $16.35
FCF/Share $2.52 $2.21 $2.90 $2.81 $2.61 $2.56 $2.38 $2.30 $2.28 $2.10 $1.76 $1.90 $2.19 $2.65 $2.59 $2.17 $2.25 $2.12 $2.06 $2.78 $3.14
OCF/Share $3.48 $3.13 $3.59 $3.38 $3.12 $3.35 $3.16 $3.35 $3.46 $3.38 $3.17 $3.52 $3.80 $4.02 $3.96 $3.31 $3.58 $3.56 $3.52 $3.77 $3.80
Cash/Share $3.35 $3.65 $3.89 $3.99 $3.36 $2.81 $2.65 $2.93 $2.70 $4.46 $4.43 $3.96 $4.25 $4.23 $4.10 $4.48 $7.70 $5.20 $4.65 $4.24 $4.28
EBITDA/Share $3.67 $3.83 $3.91 $3.81 $5.69 $5.64 $5.50 $5.47 $3.31 $3.23 $3.46 $3.73 $4.48 $4.93 $5.08 $5.29 $5.27 $5.47 $5.58 $5.83 $5.83
Debt/Share $6.74 $6.67 $6.63 $6.60 $7.08 $6.79 $6.43 $6.34 $6.30 $14.88 $16.01 $14.95 $14.95 $14.95 $14.73 $14.62 $16.82 $18.17 $18.14 $21.55 $21.55
Net Debt/Share $3.39 $3.02 $2.73 $2.61 $3.73 $3.98 $3.78 $3.41 $3.60 $10.42 $11.58 $10.99 $10.69 $10.72 $10.63 $10.14 $9.12 $12.97 $13.49 $17.31 $17.31
Academic Models
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Altman Z-Score — — — — — — — — — — — — — — — — — — — — 1.751
Altman Z-Prime snapshot only 3.090
Piotroski F-Score 8 8 8 7 6 6 6 6 6 4 3 4 6 8 9 9 7 7 5 4 4
Beneish M-Score -3.02 -2.56 -2.88 -2.71 -2.12 -2.38 -2.11 -2.44 -2.79 -2.49 -2.24 -2.39 -2.69 -2.84 -2.86 -2.52 -2.22 -2.48 -2.36 -2.38 -2.383
Ohlson O-Score snapshot only -6.182
Net-Net WC snapshot only $-19.11
EVA snapshot only $-28240002.99
Credit
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Credit Rating snapshot only BB
Credit Score 85.01 85.59 84.97 85.56 87.23 85.83 86.59 87.10 78.04 50.45 45.85 44.23 48.12 48.82 54.95 60.50 55.31 55.13 53.22 42.31 42.309
Credit Grade snapshot only 12
Credit Trend snapshot only -18.188
Implied Spread (bps) snapshot only 475.000
Industry Credit Rank snapshot only 29
Sector Credit Rank snapshot only 30

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