$210.36

+2.21 (+1.06%)

Weekly Expected Move ±3.2%

$197 $204 $210 $217 $224

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Sell · Power 47 · $9.1B mcap · 39M float · 1.13% daily turnover · Short 58% of daily vol

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

48.6 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 10.1% · 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. FCFS shows a Weak competitive edge (48.6/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 10.1% 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

$255

Low

$255

Avg Target

$255

High

Based on 1 analyst since Jul 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 10Hold: 9Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$255.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-08-15	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-10	Loop Capital Markets	Anthony Chukumba	$140	$255	+115	+25.9%	$202.54
2026-04-24	Canaccord Genuity	—	$217	$252	+35	+18.7%	$212.33
2026-02-06	Canaccord Genuity	Brian McNamara	$205	$217	+12	+22.2%	$177.65
2025-10-31	Canaccord Genuity	—	$200	$205	+5	+29.4%	$158.45
2025-09-30	Canaccord Genuity	—	Initiated	$200	—	+29.3%	$154.63
2025-08-05	Capital One Financial	—	Initiated	$160	—	+20.0%	$133.28
2024-04-29	Loop Capital Markets	Anthony Chukumba	Initiated	$140	—	+21.0%	$115.71
2023-01-05	Stephens	—	Initiated	$120	—	+37.2%	$87.48

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 02, 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. FCFS receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-01	B	B+
2026-08-03	B+	B
2026-07-01	B	B+
2026-04-27	B+	B
2026-04-23	B	B+
2026-04-16	B+	B
2026-04-15	B	B+
2026-04-14	B+	B
2026-04-10	B	B+
2026-04-09	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.

★ ★ ★ ★ ★ 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. FCFS scores highest in Safety (100/100) and lowest in Profitability (52/100). An overall grade of A places FCFS 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-B Score

11.39

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓

Beneish M-Score

-2.75

Unlikely Manipulator

Ohlson O-Score

-8.00

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

Score: 88.4/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 1.73x

Accruals: -5.7%

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. FCFS scores 11.39, 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. FCFS scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FCFS's score of -2.75 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. FCFS'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. FCFS receives an estimated rating of AA (score: 88.4/100), 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). FCFS'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

23.96x

PEG

0.70x

P/S

2.21x

P/B

4.01x

P/FCF

16.05x

P/OCF

14.23x

EV/EBITDA

10.29x

EV/Revenue

2.94x

EV/EBIT

18.09x

EV/FCF

20.30x

Earnings Yield

4.06%

FCF Yield

6.23%

Shareholder Yield

2.57%

Graham Number

$101.77

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 24.0x earnings, FCFS commands a growth premium. Graham's intrinsic value formula yields $101.77 per share, 107% 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

0.736

NI / EBT

Interest Burden

0.788

EBT / EBIT

EBIT Margin

0.162

EBIT / Rev

Asset Turnover

0.824

Rev / Assets

Equity Multiplier

2.241

Assets / Equity

ROE

17.4%

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. FCFS's ROE of 17.4% is driven by Asset Turnover (0.824), indicating efficient use of assets to generate revenue.

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

$337.73

Price/Value

0.64x

Margin of Safety

35.95%

Premium

-35.95%

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 FCFS's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FCFS actually compounded EPS at 20.0% 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. FCFS trades at a -36% premium to its adjusted intrinsic value of $337.73, 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 24.0x.

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

$210.36

Median 1Y

$224.66

5th Pctile

$126.80

95th Pctile

$397.18

Ann. Volatility

33.5%

Analyst Target

$255.00

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
Rick L. Wessel, Vice-Chairman, Chief Executive Officer	$1,452,946	$9,706,654	$15,658,761
T. Brent Stuart, President, Chief Operating Officer	$897,592	$3,713,498	$6,406,274
R. Douglas Orr, EVP, Chief Financial Officer, Secretary, Treasurer	$807,773	$3,034,918	$5,458,237
Howard F. Hambleton AFF President	$681,408	$1,623,130	$3,654,578
Raul R. Ramos, SVP – Latin American Operations	$549,000	$223,880	$1,922,880

CEO Pay Ratio

295:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $15,658,761

Avg Employee Cost (SGA/emp): $53,026

Employees: 22,000

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

22,000

+10.0% YoY

Revenue / Employee

$166,411

Rev: $3,661,043,000

Profit / Employee

$15,017

NI: $330,375,000

SGA / Employee

$53,026

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	10.1%	8.1%	7.8%	11.4%	13.1%	13.7%	15.0%	12.5%	12.3%	11.3%	11.9%	12.2%	12.5%	12.8%	13.7%	14.2%	14.8%	15.3%	16.3%	17.4%	17.40%
ROA	5.4%	4.0%	3.9%	5.7%	6.3%	6.5%	7.2%	6.0%	5.7%	5.4%	5.7%	5.7%	5.7%	5.9%	6.5%	6.6%	6.5%	6.8%	7.2%	7.8%	7.76%
ROIC	6.8%	4.5%	4.7%	4.9%	5.4%	6.5%	7.1%	7.4%	7.4%	7.7%	8.2%	8.3%	8.3%	8.7%	9.2%	9.1%	8.5%	8.4%	9.3%	10.1%	10.07%
ROCE	8.8%	5.8%	5.9%	8.1%	9.1%	10.9%	11.9%	10.4%	10.1%	9.8%	10.4%	10.5%	10.5%	10.8%	11.6%	11.8%	10.9%	11.6%	12.3%	13.2%	13.19%
Gross Margin	58.3%	45.5%	44.1%	46.5%	48.1%	46.6%	45.6%	47.0%	49.4%	49.0%	44.2%	44.4%	54.6%	49.1%	50.7%	49.7%	50.6%	50.1%	48.6%	46.6%	46.64%
Operating Margin	13.3%	8.5%	8.4%	8.9%	11.1%	12.8%	10.9%	10.8%	13.3%	14.2%	12.6%	11.4%	13.5%	15.5%	16.2%	12.7%	16.0%	16.3%	16.7%	15.5%	15.51%
Net Margin	8.4%	5.9%	4.2%	13.3%	8.8%	10.7%	6.2%	6.0%	7.3%	8.2%	7.3%	5.9%	7.7%	9.5%	10.0%	7.2%	8.9%	9.8%	10.2%	8.7%	8.70%
EBITDA Margin	15.9%	14.6%	26.1%	36.2%	30.7%	31.8%	27.9%	28.1%	29.7%	29.3%	30.3%	27.4%	29.1%	29.5%	30.2%	16.0%	26.7%	34.4%	27.8%	25.2%	25.19%
FCF Margin	8.9%	10.7%	12.0%	13.4%	15.0%	15.9%	14.7%	13.8%	13.4%	11.3%	11.0%	10.7%	10.8%	13.6%	14.2%	14.9%	15.1%	14.5%	14.2%	14.5%	14.47%
OCF Margin	11.5%	13.1%	14.1%	15.2%	16.6%	17.2%	16.2%	15.3%	15.1%	13.2%	13.3%	13.3%	13.1%	15.9%	16.1%	16.4%	16.6%	16.0%	15.8%	16.3%	16.33%
ROE 3Y Avg	snapshot only																				14.11%
ROE 5Y Avg	snapshot only																				12.86%
ROA 3Y Avg	snapshot only																				6.34%
ROIC 3Y Avg	snapshot only																				7.27%
ROIC Economic	snapshot only																				9.88%
Cash ROA	snapshot only																				12.27%
Cash ROIC	snapshot only																				13.87%
CROIC	snapshot only																				12.29%
NOPAT Margin	snapshot only																				11.86%
Pretax Margin	snapshot only																				12.80%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				11.15%
SBC / Revenue	snapshot only																				0.40%

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	26.09	27.51	27.10	17.83	16.31	15.35	15.63	17.81	19.28	21.91	24.28	19.66	20.76	17.79	19.09	20.71	22.94	21.37	23.47	24.66	23.959
P/S Ratio	2.11	2.02	1.66	1.43	1.33	1.43	1.51	1.41	1.45	1.52	1.76	1.41	1.51	1.36	1.58	1.78	2.04	1.93	2.15	2.32	2.214
P/B Ratio	2.59	1.90	1.83	1.73	1.83	2.07	2.28	2.18	2.31	2.41	2.77	2.36	2.54	2.24	2.61	2.82	3.23	3.10	3.62	4.12	4.009
P/FCF	23.66	18.95	13.76	10.66	8.91	8.97	10.22	10.23	10.86	13.50	15.94	13.13	14.05	9.97	11.18	12.01	13.46	13.30	15.10	16.05	16.053
P/OCF	18.31	15.39	11.78	9.37	8.04	8.29	9.28	9.22	9.62	11.54	13.23	10.62	11.53	8.53	9.86	10.89	12.30	12.05	13.57	14.23	14.226
EV/EBITDA	17.60	19.03	12.73	8.54	7.09	6.39	6.51	6.60	6.97	7.28	7.79	6.79	7.22	6.57	7.36	8.94	10.65	9.75	10.39	10.29	10.287
EV/Revenue	2.72	2.89	2.39	2.10	1.96	2.00	2.05	1.95	2.05	2.09	2.29	1.98	2.09	1.91	2.14	2.35	2.74	2.66	2.79	2.94	2.937
EV/EBIT	21.38	24.65	23.47	16.67	15.22	13.81	13.66	15.05	16.02	17.09	18.04	15.62	16.38	14.46	15.12	16.07	18.11	17.14	17.71	18.09	18.088
EV/FCF	30.56	27.04	19.86	15.70	13.12	12.55	13.91	14.19	15.30	18.54	20.78	18.44	19.44	14.03	15.12	15.82	18.10	18.37	19.60	20.30	20.298
Earnings Yield	3.8%	3.6%	3.7%	5.6%	6.1%	6.5%	6.4%	5.6%	5.2%	4.6%	4.1%	5.1%	4.8%	5.6%	5.2%	4.8%	4.4%	4.7%	4.3%	4.1%	4.06%
FCF Yield	4.2%	5.3%	7.3%	9.4%	11.2%	11.1%	9.8%	9.8%	9.2%	7.4%	6.3%	7.6%	7.1%	10.0%	8.9%	8.3%	7.4%	7.5%	6.6%	6.2%	6.23%
PEG Ratio	snapshot only																				0.704
Price/Tangible Book	snapshot only																				105.205
EV/OCF	snapshot only																				17.987
EV/Gross Profit	snapshot only																				6.004
Acquirers Multiple	snapshot only																				18.233
Shareholder Yield	snapshot only																				2.57%
Graham Number	snapshot only																				$101.77

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	3.17	2.88	2.68	3.08	3.46	3.83	3.50	3.66	3.89	3.89	3.99	4.03	4.31	4.14	4.39	4.21	4.99	4.55	4.77	4.89	4.887
Quick Ratio	2.04	2.21	2.04	2.34	2.56	2.85	2.66	2.81	2.90	2.96	3.03	3.04	3.23	3.15	3.28	3.12	3.72	3.36	3.42	3.51	3.506
Debt/Equity	0.79	0.88	0.87	0.88	0.92	0.89	0.88	0.90	0.99	0.96	0.91	1.01	1.03	1.00	0.99	0.95	1.17	1.24	1.14	1.16	1.164
Net Debt/Equity	0.75	0.81	0.81	0.82	0.86	0.83	0.82	0.84	0.94	0.90	0.84	0.95	0.97	0.91	0.92	0.90	1.11	1.18	1.08	1.09	1.090
Debt/Assets	0.41	0.41	0.41	0.42	0.43	0.43	0.42	0.43	0.45	0.45	0.44	0.46	0.47	0.46	0.46	0.45	0.50	0.53	0.49	0.49	0.493
Debt/EBITDA	4.18	6.16	4.22	2.94	2.42	1.96	1.84	1.96	2.12	2.12	1.96	2.07	2.11	2.08	2.06	2.27	2.88	2.82	2.51	2.30	2.298
Net Debt/EBITDA	3.98	5.69	3.91	2.74	2.27	1.82	1.73	1.84	2.02	1.98	1.81	1.95	2.00	1.90	1.91	2.16	2.73	2.69	2.39	2.15	2.151
Interest Coverage	6.79	6.14	4.80	5.52	5.27	5.58	5.64	4.75	4.50	4.14	4.19	4.11	4.10	4.26	4.47	4.57	4.66	4.69	4.75	4.86	4.858
Equity Multiplier	1.96	2.12	2.12	2.09	2.14	2.08	2.07	2.09	2.18	2.15	2.08	2.18	2.20	2.18	2.15	2.11	2.36	2.33	2.33	2.36	2.363
Cash Ratio	snapshot only																				0.417
Debt Service Coverage	snapshot only																				8.543
Cash to Debt	snapshot only																				0.064
FCF to Debt	snapshot only																				0.221
Defensive Interval	snapshot only																				321.5 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	0.67	0.55	0.65	0.71	0.78	0.71	0.74	0.76	0.76	0.77	0.79	0.80	0.78	0.77	0.78	0.77	0.73	0.75	0.79	0.82	0.824
Inventory Turnover	3.18	3.44	4.50	4.84	4.87	5.31	5.98	5.92	5.28	5.48	6.06	6.05	5.37	5.44	5.35	4.95	4.41	4.43	4.46	4.54	4.545
Receivables Turnover	39.78	35.22	9.04	45.97	48.69	10.83	12.52	49.22	46.63	6.35	51.17	48.80	45.76	10.98	48.11	9.70	36.66	6.25	41.13	5.01	5.009
Payables Turnover	8.02	51.53	8.91	22.36	30.53	58.00	21.74	—	—	61.00	—	—	—	61.04	26.40	22.90	21.32	63.15	11.60	11.92	11.917
DSO	9	10	40	8	7	34	29	7	8	57	7	7	8	33	8	38	10	58	9	73	72.9 days
DIO	115	106	81	75	75	69	61	62	69	67	60	60	68	67	68	74	83	82	82	80	80.3 days
DPO	45	7	41	16	12	6	17	0	0	6	0	0	0	6	14	16	17	6	31	31	30.6 days
Cash Conversion Cycle	78	109	80	67	71	96	73	69	77	118	67	68	76	94	62	95	76	135	59	123	122.6 days
Fixed Asset Turnover	snapshot only																				3.382
Operating Cycle	snapshot only																				153.2 days
Cash Velocity	snapshot only																				23.914
Capital Intensity	snapshot only																				1.331

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	-8.5%	4.1%	24.0%	42.5%	56.1%	60.6%	45.2%	32.9%	22.9%	15.5%	13.9%	12.6%	10.1%	7.5%	5.1%	2.5%	3.9%	8.0%	14.4%	21.6%	21.61%
Net Income	0.2%	17.2%	11.0%	60.9%	58.1%	1.0%	1.3%	31.1%	13.3%	-13.5%	-14.5%	2.3%	6.6%	18.0%	20.5%	23.0%	26.5%	27.6%	26.1%	33.0%	33.03%
EPS	2.7%	-0.1%	-5.6%	38.2%	36.2%	1.1%	1.4%	36.4%	17.4%	-11.4%	-12.8%	3.1%	7.5%	19.2%	21.6%	23.9%	26.5%	29.6%	28.2%	35.2%	35.20%
FCF	-31.4%	-1.9%	32.2%	91.2%	1.6%	1.4%	77.8%	36.6%	9.9%	-17.9%	-14.9%	-12.1%	-11.3%	29.8%	35.0%	41.8%	45.9%	15.0%	14.9%	18.5%	18.47%
EBITDA	0.5%	19.7%	70.7%	1.5%	1.8%	2.3%	1.4%	59.8%	30.6%	6.5%	6.2%	11.0%	8.8%	8.8%	4.0%	-7.6%	-7.9%	1.4%	5.4%	32.1%	32.06%
Op. Income	-4.8%	0.6%	5.1%	8.7%	10.2%	44.0%	57.2%	60.4%	58.2%	37.2%	32.5%	27.5%	19.3%	15.6%	16.5%	15.0%	21.3%	24.8%	25.4%	35.3%	35.28%
OCF Growth	snapshot only																				21.29%
Asset Growth	snapshot only																				21.52%
Equity Growth	snapshot only																				8.49%
Debt Growth	snapshot only																				33.62%
Shares Change	snapshot only																				-1.61%
Dividend Growth	snapshot only																				10.81%

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	-3.7%	-1.6%	2.7%	6.6%	10.3%	13.5%	15.0%	17.1%	20.6%	24.5%	27.1%	28.7%	28.3%	25.9%	20.2%	15.3%	12.0%	10.3%	11.0%	12.0%	11.97%
Revenue 5Y	14.2%	9.3%	7.6%	6.8%	7.1%	8.9%	9.7%	10.5%	11.4%	12.1%	12.4%	12.6%	12.7%	12.7%	12.7%	13.1%	14.9%	17.5%	19.8%	21.6%	21.60%
EPS 3Y	-6.9%	-9.6%	-11.3%	0.8%	5.5%	12.3%	16.9%	12.6%	18.0%	23.2%	25.3%	24.8%	19.8%	30.7%	36.3%	20.3%	16.9%	11.0%	10.8%	20.0%	19.99%
EPS 5Y	20.7%	15.7%	8.5%	16.7%	12.7%	12.3%	12.4%	6.4%	5.3%	6.7%	7.8%	7.6%	8.2%	8.4%	11.1%	12.8%	17.5%	23.7%	25.1%	26.6%	26.63%
Net Income 3Y	-9.5%	-6.6%	-8.2%	4.0%	8.6%	15.5%	20.8%	16.2%	21.5%	27.2%	29.5%	29.2%	24.1%	27.5%	33.1%	18.2%	15.2%	9.2%	9.1%	18.7%	18.72%
Net Income 5Y	24.5%	15.7%	8.4%	16.3%	12.4%	12.0%	12.3%	6.7%	5.9%	7.4%	8.6%	8.6%	9.1%	9.5%	12.7%	14.6%	19.3%	25.4%	27.0%	28.7%	28.70%
EBITDA 3Y	-3.3%	-2.4%	9.2%	23.9%	33.0%	41.5%	45.7%	46.1%	54.2%	61.5%	64.1%	64.4%	58.3%	56.4%	39.1%	17.9%	9.3%	5.5%	5.2%	10.6%	10.64%
EBITDA 5Y	18.6%	12.1%	14.1%	21.6%	22.1%	27.6%	28.7%	26.3%	27.0%	26.7%	27.5%	27.5%	27.3%	26.8%	27.9%	26.2%	29.7%	36.0%	37.1%	40.2%	40.24%
Gross Profit 3Y	-1.3%	-1.7%	-0.2%	1.8%	4.1%	7.5%	8.9%	11.1%	14.7%	18.3%	20.0%	20.3%	20.7%	21.0%	19.9%	17.9%	15.1%	13.3%	13.4%	13.6%	13.64%
Gross Profit 5Y	15.1%	8.7%	5.5%	3.9%	3.7%	5.9%	7.0%	7.7%	8.6%	9.3%	9.2%	9.1%	9.8%	9.9%	10.5%	11.5%	12.9%	15.1%	16.8%	17.9%	17.85%
Op. Income 3Y	-3.8%	-6.4%	-6.9%	-5.8%	-3.3%	3.2%	7.0%	11.2%	18.4%	25.7%	29.8%	30.5%	27.7%	31.7%	34.4%	33.0%	31.8%	25.6%	24.6%	25.6%	25.65%
Op. Income 5Y	12.4%	5.8%	1.6%	0.9%	1.6%	5.4%	7.1%	8.0%	9.2%	10.2%	10.9%	11.3%	11.3%	11.7%	13.6%	15.0%	19.2%	23.5%	26.2%	28.2%	28.18%
FCF 3Y	-11.8%	-3.1%	9.5%	17.9%	26.1%	32.3%	29.5%	21.2%	25.6%	24.4%	26.0%	31.9%	36.7%	36.6%	26.9%	19.4%	12.4%	7.0%	9.7%	13.9%	13.86%
FCF 5Y	29.3%	23.5%	18.6%	18.6%	17.2%	18.8%	14.7%	15.1%	14.6%	12.3%	14.7%	14.5%	14.3%	19.8%	20.1%	17.3%	20.7%	23.5%	25.4%	31.0%	30.99%
OCF 3Y	-9.4%	-2.8%	7.0%	13.6%	20.8%	26.5%	24.7%	18.6%	23.4%	23.3%	26.0%	31.6%	34.1%	34.2%	25.6%	18.2%	12.0%	7.7%	10.1%	14.5%	14.50%
OCF 5Y	21.8%	18.2%	15.1%	16.0%	14.9%	16.3%	13.2%	13.5%	13.4%	11.3%	13.8%	13.9%	13.6%	18.4%	18.1%	15.6%	18.7%	21.4%	23.4%	28.4%	28.41%
Assets 3Y	6.2%	22.1%	17.0%	16.4%	16.8%	17.0%	18.7%	22.0%	23.1%	21.8%	22.7%	20.7%	20.1%	5.3%	5.7%	5.9%	10.3%	10.7%	11.5%	11.5%	11.48%
Assets 5Y	2.2%	12.3%	12.9%	12.5%	12.6%	13.6%	14.1%	14.5%	14.6%	15.3%	12.7%	12.4%	12.6%	12.9%	13.9%	15.6%	18.3%	17.4%	18.4%	17.4%	17.43%
Equity 3Y	-0.5%	11.1%	9.9%	11.1%	10.5%	11.7%	15.7%	15.4%	15.5%	15.9%	16.6%	15.3%	15.6%	4.3%	5.3%	5.6%	6.8%	6.6%	7.1%	7.0%	6.97%
Book Value 3Y	2.4%	7.5%	6.3%	7.7%	7.4%	8.6%	12.0%	11.8%	12.2%	12.3%	12.7%	11.4%	11.7%	7.0%	7.8%	7.5%	8.4%	8.4%	8.7%	8.1%	8.11%
Dividend 3Y	3.9%	-1.3%	1.1%	1.8%	3.7%	4.8%	2.4%	1.8%	-0.3%	-1.9%	-2.2%	-2.6%	-1.7%	4.6%	4.8%	4.4%	4.0%	4.2%	4.2%	4.0%	4.02%

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	0.47	0.46	0.50	0.34	0.24	0.30	0.41	0.50	0.58	0.63	0.70	0.74	0.77	0.80	0.88	0.94	0.97	0.97	0.96	0.95	0.950
Earnings Stability	0.29	0.10	0.01	0.18	0.20	0.18	0.17	0.21	0.30	0.34	0.39	0.60	0.72	0.59	0.64	0.86	0.95	0.86	0.85	0.95	0.950
Margin Stability	0.97	0.99	0.96	0.93	0.92	0.93	0.93	0.91	0.90	0.92	0.92	0.90	0.90	0.92	0.94	0.93	0.93	0.92	0.92	0.91	0.914
Rev. Growth Consistency	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	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	1.00	0.93	0.96	0.50	0.50	0.50	0.50	0.88	0.95	0.95	0.94	0.99	0.97	0.93	0.92	0.91	0.89	0.89	0.90	0.87	0.868
Earnings Smoothness	1.00	0.84	0.90	0.53	0.55	0.32	0.22	0.73	0.88	0.86	0.84	0.98	0.94	0.83	0.81	0.79	0.77	0.76	0.77	0.72	0.717
ROE Trend	-0.01	-0.03	-0.04	-0.01	0.01	0.06	0.07	0.03	0.01	0.01	0.01	0.01	0.01	0.00	0.01	0.02	0.02	0.03	0.03	0.04	0.039
Gross Margin Trend	0.03	-0.01	-0.06	-0.08	-0.10	-0.09	-0.07	-0.06	-0.05	-0.02	-0.01	-0.01	0.01	0.01	0.03	0.04	0.02	0.02	0.01	0.00	0.001
FCF Margin Trend	-0.02	-0.00	0.01	0.02	0.05	0.05	0.03	0.02	0.01	-0.02	-0.02	-0.03	-0.03	0.00	0.01	0.03	0.03	0.02	0.02	0.02	0.017
Sustainable Growth Rate	6.4%	5.0%	4.5%	8.0%	9.4%	10.5%	11.7%	9.2%	9.1%	8.1%	8.7%	9.0%	9.2%	9.5%	10.4%	10.9%	11.4%	12.0%	13.0%	14.1%	14.08%
Internal Growth Rate	3.6%	2.6%	2.3%	4.1%	4.8%	5.3%	5.9%	4.6%	4.4%	4.0%	4.4%	4.4%	4.4%	4.6%	5.2%	5.3%	5.3%	5.6%	6.1%	6.7%	6.71%

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	1.42	1.79	2.30	1.90	2.03	1.85	1.68	1.93	2.00	1.90	1.84	1.85	1.80	2.09	1.94	1.90	1.86	1.77	1.73	1.73	1.733
FCF/OCF	0.77	0.81	0.86	0.88	0.90	0.92	0.91	0.90	0.89	0.86	0.83	0.81	0.82	0.86	0.88	0.91	0.91	0.91	0.90	0.89	0.886
FCF/Net Income	snapshot only																				1.536
OCF/EBITDA	snapshot only																				0.572
CapEx/Revenue	2.6%	2.5%	2.0%	1.8%	1.6%	1.3%	1.5%	1.5%	1.7%	1.9%	2.3%	2.5%	2.4%	2.3%	1.9%	1.5%	1.4%	1.5%	1.6%	1.9%	1.86%
CapEx/Depreciation	snapshot only																				0.151
Accruals Ratio	-0.02	-0.03	-0.05	-0.05	-0.07	-0.06	-0.05	-0.06	-0.06	-0.05	-0.05	-0.05	-0.05	-0.06	-0.06	-0.06	-0.06	-0.05	-0.05	-0.06	-0.057
Sloan Accruals	snapshot only																				0.010
Cash Flow Adequacy	snapshot only																				4.470
Earnings Quality Score	snapshot only																				0.750

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	1.4%	1.4%	1.6%	1.7%	1.7%	1.5%	1.4%	1.5%	1.4%	1.3%	1.1%	1.4%	1.3%	1.4%	1.2%	1.1%	1.0%	1.0%	0.9%	0.8%	0.80%
Dividend/Share	$1.15	$0.98	$1.06	$1.11	$1.20	$1.28	$1.30	$1.34	$1.35	$1.36	$1.38	$1.39	$1.44	$1.46	$1.49	$1.51	$1.54	$1.60	$1.64	$1.67	$1.68
Payout Ratio	36.3%	38.1%	42.8%	29.9%	27.9%	23.5%	22.1%	26.5%	26.6%	28.2%	26.8%	26.6%	26.4%	25.4%	23.8%	23.2%	22.4%	21.5%	20.4%	19.0%	19.05%
FCF Payout Ratio	32.9%	26.2%	21.7%	17.9%	15.2%	13.7%	14.5%	15.2%	15.0%	17.4%	17.6%	17.8%	17.8%	14.2%	13.9%	13.5%	13.2%	13.3%	13.1%	12.4%	12.40%
Total Payout Ratio	95.7%	77.8%	1.4%	87.0%	97.1%	85.8%	78.1%	1.0%	84.5%	80.4%	50.0%	70.7%	63.5%	61.0%	75.2%	44.0%	51.6%	56.5%	50.4%	63.4%	63.45%
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	0.04	0.08	0.16	0.17	0.23	0.27	0.20	0.18	0.10	0.05	0.05	0.04	0.07	0.08	0.08	0.09	0.09	0.09	0.09	0.10	0.098
Buyback Yield	2.3%	1.4%	3.6%	3.2%	4.2%	4.1%	3.6%	4.2%	3.0%	2.4%	1.0%	2.2%	1.8%	2.0%	2.7%	1.0%	1.3%	1.6%	1.3%	1.8%	1.80%
Net Buyback Yield	2.3%	1.4%	3.6%	3.2%	4.2%	4.1%	3.6%	4.2%	3.0%	2.4%	1.0%	2.2%	1.8%	2.0%	2.7%	1.0%	1.3%	1.6%	1.3%	1.8%	1.80%
Total Shareholder Return	3.7%	2.8%	5.2%	4.9%	6.0%	5.6%	5.0%	5.6%	4.4%	3.7%	2.1%	3.6%	3.1%	3.4%	3.9%	2.1%	2.3%	2.6%	2.1%	2.6%	2.57%

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)	0.74	0.75	0.76	0.78	0.78	0.78	0.78	0.77	0.76	0.75	0.75	0.75	0.75	0.76	0.76	0.75	0.75	0.74	0.74	0.74	0.736
Interest Burden (EBT/EBIT)	0.85	0.84	0.79	0.82	0.81	0.82	0.82	0.79	0.78	0.76	0.76	0.76	0.76	0.77	0.78	0.78	0.79	0.79	0.79	0.79	0.788
EBIT Margin	0.13	0.12	0.10	0.13	0.13	0.14	0.15	0.13	0.13	0.12	0.13	0.13	0.13	0.13	0.14	0.15	0.15	0.16	0.16	0.16	0.162
Asset Turnover	0.67	0.55	0.65	0.71	0.78	0.71	0.74	0.76	0.76	0.77	0.79	0.80	0.78	0.77	0.78	0.77	0.73	0.75	0.79	0.82	0.824
Equity Multiplier	1.88	2.01	1.98	2.01	2.06	2.10	2.09	2.09	2.16	2.11	2.07	2.14	2.19	2.16	2.11	2.15	2.28	2.26	2.25	2.24	2.241

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)	$3.17	$2.58	$2.47	$3.72	$4.31	$5.45	$5.89	$5.08	$5.06	$4.83	$5.14	$5.24	$5.44	$5.76	$6.25	$6.49	$6.89	$7.46	$8.01	$8.77	$8.77
Book Value/Share	$31.93	$37.30	$36.53	$38.27	$38.39	$40.41	$40.40	$41.52	$42.26	$43.95	$45.07	$43.68	$44.46	$45.68	$45.77	$47.59	$48.91	$51.40	$51.94	$52.47	$52.47
Tangible Book/Share	$4.86	$-2.40	$-3.13	$-1.35	$-1.36	$-0.69	$-0.79	$-0.15	$-1.93	$-0.20	$1.10	$-1.55	$-0.69	$0.85	$0.59	$2.43	$-0.39	$0.50	$1.41	$2.06	$2.06
Revenue/Share	$39.23	$35.05	$40.39	$46.50	$52.77	$58.66	$61.15	$64.25	$67.20	$69.38	$71.06	$72.99	$74.65	$75.35	$75.35	$75.34	$77.53	$82.65	$87.60	$93.12	$93.12
FCF/Share	$3.49	$3.74	$4.86	$6.22	$7.89	$9.32	$9.01	$8.84	$8.99	$7.84	$7.83	$7.84	$8.04	$10.27	$10.66	$11.19	$11.74	$11.99	$12.45	$13.48	$13.48
OCF/Share	$4.51	$4.61	$5.68	$7.08	$8.75	$10.09	$9.93	$9.81	$10.15	$9.16	$9.43	$9.70	$9.80	$12.01	$12.10	$12.34	$12.84	$13.23	$13.85	$15.21	$15.21
Cash/Share	$1.23	$2.48	$2.35	$2.32	$2.14	$2.52	$2.18	$2.29	$1.91	$2.80	$2.98	$2.51	$2.36	$3.89	$3.25	$2.26	$2.90	$2.83	$2.95	$3.89	$3.89
EBITDA/Share	$6.06	$5.31	$7.58	$11.44	$14.59	$18.31	$19.26	$19.02	$19.75	$19.96	$20.88	$21.29	$21.67	$21.93	$21.92	$19.81	$19.95	$22.57	$23.48	$26.59	$26.59
Debt/Share	$25.34	$32.73	$31.95	$33.66	$35.33	$35.91	$35.44	$37.35	$41.84	$42.34	$40.85	$44.10	$45.68	$45.59	$45.20	$44.98	$57.36	$63.61	$59.01	$61.09	$61.09
Net Debt/Share	$24.11	$30.25	$29.60	$31.33	$33.19	$33.39	$33.27	$35.06	$39.94	$39.54	$37.88	$41.59	$43.32	$41.69	$41.95	$42.73	$54.46	$60.78	$56.05	$57.19	$57.19

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-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	11.394
Altman Z-Prime	snapshot only																				7.007
Piotroski F-Score	6	3	4	6	6	8	8	8	8	7	6	6	8	8	8	9	6	7	7	7	7
Beneish M-Score	-2.38	-1.74	-1.68	-1.82	-1.94	-2.67	-2.70	-2.67	-2.59	-2.58	-3.40	-3.43	-2.65	-2.63	-2.70	-2.74	-2.31	-2.34	-2.05	-2.75	-2.750
Ohlson O-Score	snapshot only																				-8.003
ROIC (Greenblatt)	snapshot only																				23.69%
Net-Net WC	snapshot only																				$-25.88
EVA	snapshot only																				$3259661.27

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																				AA
Credit Score	82.66	78.11	77.13	83.28	87.06	87.32	89.67	87.35	87.11	83.81	84.50	86.19	86.53	87.52	88.02	88.06	87.23	88.48	89.38	88.41	88.413
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				0.357
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				88
Sector Credit Rank	snapshot only																				84

FCFS NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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