Also trades as: 0TIQ.L (LSE) · $vol 1M

$691.74

-16.33 (-2.31%)

After Hours: $691.50 (-0.25, -0.04%)

Weekly Expected Move ±17.2%

$534 $675 $815 $955 $1095

NYSE · Technology · Software - Application · Tech Score Sell · Power 46 · $15.3B mcap · 21M float · 2.70% daily turnover · Short 46% of daily vol

Credit Risk of going bust: higher than 75% of companies Debt: 26.8% of company value Bonds: $359.0M held by 341 funds, 201 bp over Treasuries → details ▾

Of US companies ranked in the third-riskiest tenth, about 1 in 140 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $32.50 (down 95%), Fair Isaac Corporation would be worth roughly what it owes.
Total debt $5.60B against a stock market value of $15.29B.
Distance to default 3.02 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $2.94B (short-term plus half of long-term), stock volatility 66.8%; Altman Z'' 12.21. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

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

NARROW EDGE

66.8 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 75.5%

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. FICO has a Narrow competitive edge (66.8/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 75.5% 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

$700

Low

$1136

Avg Target

$1700

High

Based on 24 analysts since Jul 29, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 15Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$1135.79

Analysts24

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-26	BMO Capital	—	Initiated	$897	—	+18.7%	$755.97
2026-10-26	Mizuho Securities	Sean Kennedy	$1063	$986	-77	+30.3%	$756.81
2026-10-26	UBS	Kevin McVeigh	$1139	$942	-197	+15.5%	$815.31
2026-10-26	Griffin	Ryan Griffin	$1150	$897	-253	+10.0%	$815.31
2026-10-26	Wells Fargo	Jason Haas	$950	$735	-215	-9.9%	$815.31
2026-10-19	Mizuho Securities	Sean Kennedy	$1344	$1063	-281	+37.8%	$771.19
2026-10-16	RBC Capital	Ashish Sabadra	$1525	$1045	-480	+36.9%	$763.25
2026-10-13	Raymond James	—	$1750	$1230	-520	+68.9%	$728.39
2026-10-02	Robert W. Baird	—	$1549	$1070	-479	+61.7%	$661.75
2026-10-02	Goldman Sachs	—	$1322	$1129	-193	+70.6%	$661.75
2026-10-02	Barclays	—	$935	$875	-60	+32.2%	$661.75
2026-10-01	Griffin	Ryan Griffin	$1800	$1150	-650	+77.8%	$646.74
2026-09-30	Credit Suisse	—	Initiated	$1150	—	+86.1%	$617.87
2026-09-30	Wells Fargo	—	$1350	$950	-400	+53.8%	$617.87
2026-09-30	Susquehanna	—	Initiated	$700	—	+13.3%	$617.87
2026-09-30	Barclays	Manav Patnaik	$1700	$935	-765	+51.3%	$617.87
2026-09-29	Mizuho Securities	Sean Kennedy	$1416	$1344	-72	+117.5%	$617.87
2026-09-29	Goldman Sachs	—	$1777	$1322	-455	+57.2%	$840.89
2026-09-22	Wells Fargo	Jason Haas	$1450	$1350	-100	+46.0%	$924.52
2026-08-12	UBS	Kevin McVeigh	$1270	$1139	-131	+9.7%	$1038.23
2026-08-10	Barclays	Manav Patnaik	$1950	$1700	-250	+63.2%	$1041.40
2026-08-03	Jefferies	—	$1700	$1675	-25	+49.2%	$1122.97
2026-07-30	RBC Capital	Ashish Sabadra	Initiated	$1525	—	+32.7%	$1149.47
2026-07-30	Wells Fargo	—	$1400	$1450	+50	+5.6%	$1373.08
2026-07-02	UBS	—	$1250	$1270	+20	+2.4%	$1240.17
2026-06-16	UBS	—	$1150	$1250	+100	+5.8%	$1181.62
2026-05-04	Jefferies	Surinder Thind	$2200	$1700	-500	+64.2%	$1035.50
2026-04-30	Wells Fargo	—	$2400	$1400	-1000	+34.2%	$1043.57
2026-04-29	Needham	—	$1950	$1650	-300	+57.9%	$1045.08
2026-04-29	Raymond James	—	$1007	$1750	+743	+68.1%	$1040.98
2026-04-29	Robert W. Baird	—	Initiated	$1549	—	+53.3%	$1010.16
2026-04-23	UBS	—	$1350	$1150	-200	+21.7%	$944.99
2026-04-16	Mizuho Securities	Sean Kennedy	Initiated	$1416	—	+37.4%	$1030.81
2026-04-10	Barclays	—	$2400	$1950	-450	+109.1%	$932.42
2026-03-11	UBS	—	$1640	$1350	-290	+15.9%	$1165.23
2026-02-02	Goldman Sachs	George Tong	$614	$1777	+1163	+21.4%	$1463.17
2026-01-16	Jefferies	—	$2500	$2200	-300	+39.2%	$1580.02
2025-10-14	Wells Fargo	Jason Haas	$2300	$2400	+100	+45.5%	$1649.99
2025-10-13	Seaport Global	—	$1800	$2250	+450	+34.4%	$1674.29
2025-10-02	Barclays	—	$2250	$2400	+150	+58.7%	$1512.71
2025-10-01	Seaport Global	—	$1600	$1800	+200	+20.5%	$1494.30
2025-10-01	Wells Fargo	—	$2200	$2300	+100	+53.7%	$1496.53
2025-10-01	Seaport Global	—	Initiated	$1600	—	+6.9%	$1496.53
2025-09-15	UBS	Kevin McVeigh	Initiated	$1640	—	+6.2%	$1544.05
2025-08-18	Griffin	Ryan Griffin	$2000	$1800	-200	+33.3%	$1350.00
2025-07-16	Needham	Kyle Peterson	$2500	$1950	-550	+29.5%	$1505.39
2025-07-09	Griffin	Ryan Griffin	Initiated	$2000	—	+25.6%	$1591.73
2025-05-14	Jefferies	Surinder Thind	$1450	$2500	+1050	+17.4%	$2130.00
2025-04-04	Barclays	—	$1800	$2250	+450	+34.4%	$1673.98
2024-12-02	Oppenheimer	Owen Lau	Initiated	$2515	—	+7.3%	$2343.44

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.

C+

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

Rating Change History

Date	From	To
2026-10-02	B-	C+
2026-09-22	C+	B-
2026-09-10	B-	C+
2026-09-08	C+	B-
2026-06-25	B-	C+
2026-06-24	C+	B-
2026-06-23	B-	C+
2026-06-22	C+	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.

★ ★ ★ ★ ★ 80 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. FICO scores highest in Safety (100/100) and lowest in Value (32/100). An overall grade of A places FICO 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 Z-Score

9.52

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓

Beneish M-Score

-2.68

Unlikely Manipulator

Ohlson O-Score

5.05

Bankruptcy prob: 99.4%

High Risk

Credit Rating

B-

Score: 20.0/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 1.23x

Accruals: -9.6%

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. FICO scores 9.52, placing it in the Safe Zone (safe > 2.99, distress < 1.81). 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. FICO scores 8/9, 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. FICO's score of -2.68 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. FICO's implied 99.4% bankruptcy probability signals significant financial distress. 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. FICO receives an estimated rating of B- (score: 20.0/100), 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). FICO'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

19.98x

PEG

0.59x

P/S

6.28x

P/B

-3.85x

P/FCF

27.23x

P/OCF

27.08x

EV/EBITDA

25.62x

EV/Revenue

13.57x

EV/EBIT

25.95x

EV/FCF

32.60x

Earnings Yield

3.00%

FCF Yield

3.67%

Shareholder Yield

13.25%

Graham Number

—

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, FICO trades at a reasonable valuation.

DuPont Decomposition (5-Factor)

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

Tax Burden

0.765

NI / EBT

Interest Burden

0.851

EBT / EBIT

EBIT Margin

0.523

EBIT / Rev

Asset Turnover

1.228

Rev / Assets

Equity Multiplier

-0.710

Assets / Equity

ROE

-29.7%

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. FICO's ROE of -29.7% is driven by Asset Turnover (1.228), 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

$1382.11

Price/Value

0.86x

Margin of Safety

13.55%

Premium

-13.55%

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 FICO's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FICO actually compounded EPS at 29.5% 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. FICO trades at a -14% premium to its adjusted intrinsic value of $1382.11, 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 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

$691.72

Median 1Y

$684.01

5th Pctile

$303.95

95th Pctile

$1533.34

Ann. Volatility

46.3%

Analyst Target

$1135.79

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
William Lansing Chief Executive Officer	$750,000	$34,091,860	$36,045,267
Nikhil Behl President, Software	$500,000	$6,818,373	$7,727,863
James Wehmann President, sident, Scores	$490,385	$6,818,373	$7,322,942
Mark Scadina President, Vice President, General Counsel	$400,000	$6,255,247	$7,139,423
Richard Deal President, Vice President, Chief Human Resources Officer	$400,000	$6,255,247	$6,963,424
Steven Weber Financial Vice President and Chief Financial Officer	$400,000	$6,255,247	$6,958,832

CEO Pay Ratio

268:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $36,045,267

Avg Employee Cost (SGA/emp): $134,618

Employees: 3,811

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

3,811

+6.3% YoY

Revenue / Employee

$522,401

Rev: $1,990,869,000

Profit / Employee

$171,070

NI: $651,946,000

SGA / Employee

$134,618

Avg labor cost proxy

R&D / Employee

$49,422

Innovation spend

Scaling Efficiency

All Ratios & Metrics

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

Profitability

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
ROE	3.6%	-3.6%	-1.9%	-1.0%	-81.8%	-57.6%	-53.5%	-54.0%	-57.6%	-59.3%	-63.9%	-62.4%	-62.1%	-58.4%	-62.1%	-56.8%	-48.1%	-44.7%	-47.1%	-29.7%	-29.67%
ROA	24.7%	25.7%	27.8%	24.2%	24.8%	26.4%	25.7%	27.5%	28.5%	29.7%	30.0%	29.1%	31.1%	33.0%	32.6%	35.4%	36.4%	36.9%	39.1%	41.8%	41.80%
ROIC	40.7%	42.6%	46.2%	41.7%	44.0%	43.9%	42.4%	44.0%	46.3%	47.4%	45.6%	47.2%	51.9%	56.0%	52.3%	59.8%	62.9%	60.4%	65.4%	75.5%	75.54%
ROCE	50.9%	46.7%	52.6%	48.7%	48.6%	51.1%	51.0%	51.9%	53.8%	57.2%	50.5%	51.9%	55.9%	56.2%	54.8%	81.9%	91.9%	89.9%	69.8%	96.8%	96.85%
Gross Margin	78.4%	78.5%	79.9%	77.5%	76.3%	77.8%	79.0%	82.0%	78.7%	78.2%	79.9%	80.2%	80.3%	80.1%	82.4%	83.7%	82.3%	83.0%	86.8%	87.1%	87.09%
Operating Margin	34.4%	35.9%	42.6%	40.3%	38.5%	40.7%	42.0%	44.4%	42.5%	39.6%	44.9%	42.5%	43.4%	40.8%	49.3%	48.9%	46.0%	45.7%	58.2%	53.8%	53.79%
Net Margin	25.6%	26.4%	29.2%	26.8%	26.0%	28.3%	26.7%	32.3%	26.0%	31.7%	29.9%	28.2%	29.9%	34.7%	32.6%	33.9%	30.1%	30.9%	38.2%	35.2%	35.18%
EBITDA Margin	36.3%	37.9%	43.4%	41.5%	39.7%	42.0%	43.5%	46.6%	43.0%	41.2%	46.6%	44.2%	44.9%	41.6%	49.7%	51.1%	47.8%	46.5%	58.5%	56.2%	56.18%
FCF Margin	31.6%	35.1%	32.0%	33.0%	36.6%	33.6%	30.9%	30.3%	30.7%	31.8%	29.1%	33.3%	35.4%	37.9%	36.8%	38.8%	37.6%	35.6%	39.6%	41.6%	41.61%
OCF Margin	32.2%	35.5%	32.5%	33.5%	37.0%	34.1%	31.2%	30.5%	31.0%	32.2%	29.9%	34.5%	36.9%	39.7%	38.5%	40.5%	39.1%	36.8%	40.2%	41.8%	41.84%
ROA 3Y Avg	snapshot only																				33.99%
ROIC 3Y Avg	snapshot only																				3.81%
ROIC Economic	snapshot only																				65.11%
Cash ROA	snapshot only																				49.16%
Cash ROIC	snapshot only																				79.97%
CROIC	snapshot only																				79.53%
NOPAT Margin	snapshot only																				39.52%
Pretax Margin	snapshot only																				44.50%
R&D / Revenue	snapshot only																				8.71%
SGA / Revenue	snapshot only																				24.28%
SBC / Revenue	snapshot only																				7.28%

Valuation

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
P/E Ratio	28.96	30.56	28.91	28.14	28.21	39.43	46.59	48.97	51.12	64.83	65.34	77.82	95.05	90.82	78.88	71.01	55.46	61.58	33.37	33.28	19.982
P/S Ratio	8.62	9.00	9.11	7.61	7.65	10.88	12.55	13.92	14.50	18.93	19.59	22.52	28.38	27.84	24.74	23.29	18.16	19.63	11.24	11.33	6.276
P/B Ratio	-102.34	-22.17	-18.58	-12.24	-13.14	-18.99	-23.17	-29.12	-31.91	-40.45	-42.73	-44.90	-50.63	-43.43	-40.50	-32.15	-20.71	-22.40	-12.06	-6.62	-3.849
P/FCF	27.28	25.65	28.45	23.08	20.93	32.33	40.68	46.00	47.24	59.44	67.28	67.58	80.24	73.39	67.21	60.06	48.33	55.10	28.40	27.23	27.233
P/OCF	26.79	25.36	28.02	22.72	20.68	31.93	40.21	45.59	46.81	58.88	65.51	65.27	77.01	70.13	64.23	57.47	46.43	53.37	27.94	27.08	27.083
EV/EBITDA	23.19	24.19	23.20	22.47	21.96	29.24	33.17	35.16	35.73	46.10	46.80	54.08	66.76	65.67	57.55	52.32	41.10	43.31	24.76	25.62	25.620
EV/Revenue	9.49	10.15	10.35	8.96	8.94	12.19	13.84	15.15	15.67	20.11	20.80	23.73	29.60	29.11	26.04	24.64	19.64	21.12	12.76	13.57	13.567
EV/EBIT	24.34	25.27	24.10	23.39	22.79	30.25	34.22	36.08	36.53	47.02	47.63	55.06	67.99	66.91	58.58	53.18	41.76	43.99	25.10	25.95	25.950
EV/FCF	30.01	28.92	32.30	27.18	24.46	36.22	44.85	50.06	51.04	63.14	71.44	71.20	83.69	76.75	70.75	63.56	52.26	59.28	32.25	32.60	32.604
Earnings Yield	3.5%	3.3%	3.5%	3.6%	3.5%	2.5%	2.1%	2.0%	2.0%	1.5%	1.5%	1.3%	1.1%	1.1%	1.3%	1.4%	1.8%	1.6%	3.0%	3.0%	3.00%
FCF Yield	3.7%	3.9%	3.5%	4.3%	4.8%	3.1%	2.5%	2.2%	2.1%	1.7%	1.5%	1.5%	1.2%	1.4%	1.5%	1.7%	2.1%	1.8%	3.5%	3.7%	3.67%
PEG Ratio	snapshot only																				0.586
EV/OCF	snapshot only																				32.424
EV/Gross Profit	snapshot only																				15.943
Acquirers Multiple	snapshot only																				26.268
Shareholder Yield	snapshot only																				13.25%

Leverage & Solvency

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Current Ratio	0.99	1.44	1.26	1.23	1.46	1.36	1.40	1.46	1.51	1.31	2.04	1.87	1.62	1.80	2.11	0.92	0.83	0.93	2.22	1.18	1.183
Quick Ratio	0.99	1.44	1.26	1.23	1.46	1.36	1.40	1.46	1.51	1.31	2.04	1.87	1.62	1.80	2.11	0.92	0.83	0.93	2.22	1.18	1.183
Debt/Equity	-12.03	-3.13	-2.78	-2.36	-2.38	-2.46	-2.56	-2.80	-2.76	-2.74	-2.83	-2.59	-2.33	-2.15	-2.27	-2.00	-1.76	-1.79	-1.74	-1.37	-1.366
Net Debt/Equity	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Debt/Assets	0.85	1.15	1.24	1.37	1.33	1.35	1.31	1.24	1.21	1.25	1.22	1.26	1.31	1.43	1.39	1.50	1.65	1.74	1.79	2.75	2.748
Debt/EBITDA	2.48	3.03	3.05	3.68	3.41	3.38	3.32	3.11	2.87	2.94	2.91	2.97	2.94	3.10	3.06	3.08	3.23	3.21	3.14	4.42	4.416
Net Debt/EBITDA	2.11	2.74	2.77	3.39	3.17	3.14	3.09	2.85	2.66	2.70	2.72	2.75	2.75	2.87	2.89	2.87	3.09	3.05	2.96	4.22	4.220
Interest Coverage	12.80	12.49	11.63	8.91	7.83	7.09	6.67	6.72	6.79	6.84	7.07	7.03	7.08	6.96	7.04	7.31	7.01	6.78	7.20	6.72	6.716
Equity Multiplier	-14.13	-2.72	-2.24	-1.72	-1.80	-1.82	-1.95	-2.25	-2.29	-2.20	-2.32	-2.06	-1.78	-1.50	-1.63	-1.33	-1.07	-1.03	-0.97	-0.50	-0.497
Cash Ratio	snapshot only																				0.333
Debt Service Coverage	snapshot only																				6.802
Cash to Debt	snapshot only																				0.044
FCF to Debt	snapshot only																				0.178
Defensive Interval	snapshot only																				383.4 days

Efficiency & Turnover

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Asset Turnover	0.83	0.87	0.88	0.90	0.92	0.96	0.95	0.97	1.00	1.02	1.00	1.00	1.04	1.08	1.04	1.08	1.11	1.16	1.16	1.23	1.228
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	4.07	4.65	5.03	4.81	4.34	4.93	4.65	4.39	4.26	4.59	3.97	4.02	4.22	4.94	3.83	4.33	4.17	4.88	4.06	4.57	4.574
Payables Turnover	15.19	14.80	16.16	15.77	15.89	16.62	20.66	18.18	17.15	17.95	19.87	17.42	16.81	16.88	16.46	13.59	12.91	14.22	11.83	12.69	12.689
DSO	90	79	73	76	84	74	78	83	86	80	92	91	87	74	95	84	88	75	90	80	79.8 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	24	25	23	23	23	22	18	20	21	20	18	21	22	22	22	27	28	26	31	29	28.8 days
Cash Conversion Cycle	66	54	50	53	61	52	61	63	64	59	73	70	65	52	73	58	59	49	59	51	51.0 days
Fixed Asset Turnover	snapshot only																				20.982
Cash Velocity	snapshot only																				9.634
Capital Intensity	snapshot only																				0.851

Growth (YoY)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue	1.7%	1.4%	1.5%	0.5%	4.6%	5.5%	5.2%	8.0%	9.9%	10.8%	12.8%	12.3%	13.5%	14.5%	14.7%	16.7%	15.9%	16.2%	22.6%	24.1%	24.09%
Net Income	65.8%	45.7%	53.1%	0.8%	-4.7%	-1.1%	-10.1%	13.6%	14.9%	17.2%	25.5%	14.3%	19.4%	20.2%	20.0%	32.2%	27.1%	20.9%	31.6%	28.8%	28.83%
EPS	73.4%	57.7%	71.2%	13.8%	6.3%	7.0%	-6.5%	16.0%	16.3%	18.3%	26.8%	15.8%	20.4%	22.1%	22.2%	34.6%	32.0%	25.2%	36.8%	39.5%	39.45%
FCF	21.4%	27.9%	-6.1%	-2.6%	20.9%	1.2%	1.4%	-0.8%	-7.7%	4.8%	6.4%	23.6%	30.7%	36.4%	45.0%	35.7%	23.2%	9.1%	31.8%	33.2%	33.17%
EBITDA	63.5%	48.5%	50.1%	6.5%	4.1%	4.9%	-1.6%	16.7%	18.4%	15.9%	20.1%	14.3%	14.7%	16.4%	16.8%	25.2%	24.9%	27.8%	39.6%	39.5%	39.52%
Op. Income	70.8%	55.4%	58.5%	10.0%	7.3%	7.8%	-0.4%	16.8%	18.5%	15.3%	19.8%	14.9%	14.1%	16.5%	18.0%	26.0%	26.1%	28.6%	39.8%	39.7%	39.71%
OCF Growth	snapshot only																				28.14%
Asset Growth	snapshot only																				9.42%
Debt Growth	snapshot only																				99.88%
Shares Change	snapshot only																				-7.62%

Growth (CAGR)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue 3Y	8.4%	7.8%	7.8%	6.3%	5.9%	5.4%	5.1%	6.3%	5.3%	5.8%	6.4%	6.8%	9.3%	10.2%	10.8%	12.3%	13.1%	13.8%	16.6%	17.6%	17.58%
Revenue 5Y	8.4%	8.0%	7.9%	8.3%	8.1%	8.1%	7.8%	7.9%	8.0%	7.9%	8.2%	7.8%	8.2%	8.2%	8.5%	9.5%	9.0%	9.5%	11.1%	12.0%	12.03%
EPS 3Y	43.6%	40.5%	46.2%	31.9%	32.1%	30.3%	24.9%	28.5%	28.9%	25.9%	26.6%	15.2%	14.2%	15.6%	13.2%	21.8%	22.7%	21.8%	28.5%	29.5%	29.52%
EPS 5Y	32.3%	29.2%	32.0%	30.7%	29.5%	32.4%	30.5%	31.3%	29.6%	28.6%	29.9%	25.2%	26.4%	26.1%	24.8%	27.0%	27.8%	25.0%	27.7%	23.5%	23.45%
Net Income 3Y	40.2%	36.0%	39.7%	25.2%	24.8%	23.1%	18.2%	21.8%	22.0%	19.1%	20.0%	9.4%	9.4%	11.7%	10.6%	19.7%	20.4%	19.4%	25.6%	24.9%	24.86%
Net Income 5Y	29.1%	25.0%	26.8%	25.1%	23.8%	26.8%	25.2%	26.0%	24.7%	23.9%	25.2%	20.5%	21.7%	21.3%	20.0%	22.2%	22.5%	19.7%	22.2%	17.4%	17.40%
EBITDA 3Y	30.8%	30.4%	33.3%	22.2%	25.0%	25.9%	23.4%	26.3%	26.3%	21.8%	21.1%	12.4%	12.2%	12.3%	11.4%	18.7%	19.3%	19.9%	25.1%	25.9%	25.94%
EBITDA 5Y	21.6%	21.7%	23.4%	22.5%	21.3%	22.2%	22.0%	23.4%	22.5%	22.0%	22.9%	19.5%	21.5%	21.9%	21.4%	23.6%	23.6%	21.8%	23.7%	19.9%	19.95%
Gross Profit 3Y	10.9%	10.7%	11.6%	9.9%	9.3%	8.9%	8.2%	10.1%	8.8%	9.1%	9.6%	9.4%	11.6%	11.9%	12.1%	13.8%	15.0%	16.2%	19.8%	20.6%	20.58%
Gross Profit 5Y	9.8%	10.1%	10.6%	11.2%	10.8%	10.7%	10.2%	10.7%	10.7%	10.5%	11.0%	10.2%	10.7%	11.0%	11.3%	12.6%	11.9%	12.5%	14.3%	15.2%	15.23%
Op. Income 3Y	36.7%	35.8%	39.6%	27.4%	28.9%	30.3%	26.6%	29.6%	29.5%	24.5%	23.7%	13.9%	13.2%	13.1%	12.1%	19.1%	19.5%	20.0%	25.5%	26.5%	26.46%
Op. Income 5Y	24.4%	24.8%	26.9%	26.5%	25.1%	25.9%	25.4%	26.5%	26.6%	25.5%	26.6%	22.6%	23.7%	24.3%	23.4%	25.8%	25.6%	23.7%	25.5%	21.0%	21.04%
FCF 3Y	29.5%	30.5%	27.1%	31.1%	28.7%	23.9%	19.2%	14.5%	10.7%	10.7%	0.4%	6.1%	13.4%	13.1%	16.1%	18.5%	14.1%	16.0%	26.7%	30.7%	30.74%
FCF 5Y	18.3%	23.5%	18.6%	21.3%	19.6%	18.5%	19.1%	18.8%	19.4%	18.7%	17.2%	22.5%	20.8%	22.1%	21.2%	20.3%	16.9%	15.1%	14.1%	16.6%	16.63%
OCF 3Y	23.9%	24.6%	22.1%	26.6%	25.1%	20.6%	15.9%	11.5%	8.7%	9.2%	0.4%	6.8%	14.3%	14.4%	17.2%	19.6%	15.2%	16.7%	26.9%	30.6%	30.59%
OCF 5Y	18.0%	21.5%	16.3%	18.5%	17.7%	16.6%	16.8%	15.7%	16.0%	15.4%	14.7%	20.5%	19.4%	21.0%	19.9%	19.2%	16.4%	14.7%	13.8%	16.4%	16.42%
Assets 3Y	7.7%	3.9%	3.8%	2.0%	0.2%	-1.9%	-1.1%	0.4%	-0.6%	0.4%	2.5%	2.4%	3.1%	5.3%	7.3%	8.5%	9.0%	8.3%	10.9%	8.7%	8.74%
Assets 5Y	5.1%	3.6%	3.6%	3.0%	2.8%	3.3%	3.1%	4.2%	4.6%	4.1%	5.1%	4.5%	3.7%	2.0%	3.4%	3.5%	3.1%	3.3%	5.3%	5.1%	5.09%
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue Stability	0.97	0.97	0.97	0.97	0.95	0.95	0.94	0.96	0.95	0.96	0.95	0.95	0.94	0.91	0.90	0.91	0.87	0.88	0.85	0.85	0.848
Earnings Stability	0.83	0.87	0.87	0.93	0.89	0.95	0.91	0.95	0.92	0.96	0.92	0.94	0.92	0.96	0.92	0.91	0.91	0.94	0.89	0.87	0.867
Margin Stability	0.97	0.96	0.95	0.95	0.95	0.95	0.95	0.94	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.95	0.949
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	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	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.82	0.50	1.00	0.98	1.00	0.96	0.95	0.94	0.93	0.90	0.94	0.92	0.92	0.92	0.87	0.89	0.92	0.87	0.88	0.885
Earnings Smoothness	0.50	0.63	0.58	0.99	0.95	0.99	0.89	0.87	0.86	0.84	0.77	0.87	0.82	0.82	0.82	0.72	0.76	0.81	0.73	0.75	0.748
ROE Trend	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Margin Trend	0.03	0.05	0.06	0.06	0.05	0.03	0.02	0.03	0.03	0.02	0.02	0.01	0.01	0.01	0.02	0.03	0.03	0.03	0.04	0.05	0.046
FCF Margin Trend	0.08	0.11	0.04	0.04	0.07	0.02	-0.02	-0.03	-0.03	-0.03	-0.02	0.02	0.02	0.05	0.07	0.07	0.05	0.01	0.07	0.06	0.056
Sustainable Growth Rate	3.6%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Internal Growth Rate	32.8%	34.6%	38.5%	31.9%	33.0%	35.9%	34.5%	38.0%	39.8%	42.2%	42.9%	41.0%	45.2%	49.2%	48.4%	54.9%	57.1%	58.6%	64.2%	71.8%	71.83%

Cash Flow Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
OCF/Net Income	1.08	1.21	1.03	1.24	1.36	1.24	1.16	1.07	1.09	1.10	1.00	1.19	1.23	1.30	1.23	1.24	1.19	1.15	1.19	1.23	1.229
FCF/OCF	0.98	0.99	0.98	0.98	0.99	0.99	0.99	0.99	0.99	0.99	0.97	0.97	0.96	0.96	0.96	0.96	0.96	0.97	0.98	0.99	0.994
FCF/Net Income	snapshot only																				1.222
OCF/EBITDA	snapshot only																				0.790
CapEx/Revenue	0.6%	0.4%	0.5%	0.5%	0.4%	0.4%	0.4%	0.3%	0.3%	0.3%	0.8%	1.2%	1.5%	1.8%	1.7%	1.7%	1.5%	1.2%	0.6%	0.2%	0.23%
CapEx/Depreciation	snapshot only																				0.342
Accruals Ratio	-0.02	-0.05	-0.01	-0.06	-0.09	-0.06	-0.04	-0.02	-0.03	-0.03	0.00	-0.06	-0.07	-0.10	-0.07	-0.08	-0.07	-0.06	-0.08	-0.10	-0.096
Sloan Accruals	snapshot only																				0.093
Cash Flow Adequacy	snapshot only																				181.243
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	2.2%	3.3%	3.2%	3.7%	3.0%	1.8%	1.4%	81.5%	94.4%	88.8%	96.6%	1.3%	1.6%	1.7%	1.7%	1.9%	2.2%	2.2%	2.4%	4.4%	4.41%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	7.7%	10.9%	11.2%	13.3%	10.5%	4.6%	3.0%	1.7%	1.8%	1.4%	1.5%	1.7%	1.7%	1.8%	2.1%	2.6%	3.9%	3.5%	7.1%	13.2%	13.25%
Net Buyback Yield	7.5%	10.8%	11.1%	13.1%	10.3%	4.5%	2.8%	1.6%	1.7%	1.3%	1.4%	1.6%	1.6%	1.8%	2.0%	2.6%	3.8%	3.4%	7.0%	13.2%	13.15%
Total Shareholder Return	7.5%	10.8%	11.1%	13.1%	10.3%	4.5%	2.8%	1.6%	1.7%	1.3%	1.4%	1.6%	1.6%	1.8%	2.0%	2.6%	3.8%	3.4%	7.0%	13.2%	13.15%

DuPont Factors

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Tax Burden (NI/EBT)	0.83	0.80	0.80	0.79	0.79	0.80	0.78	0.80	0.78	0.80	0.80	0.78	0.80	0.82	0.82	0.82	0.81	0.78	0.77	0.77	0.765
Interest Burden (EBT/EBIT)	0.92	0.92	0.91	0.89	0.87	0.86	0.85	0.85	0.85	0.85	0.86	0.86	0.86	0.86	0.86	0.86	0.86	0.85	0.86	0.85	0.851
EBIT Margin	0.39	0.40	0.43	0.38	0.39	0.40	0.40	0.42	0.43	0.43	0.44	0.43	0.44	0.44	0.44	0.46	0.47	0.48	0.51	0.52	0.523
Asset Turnover	0.83	0.87	0.88	0.90	0.92	0.96	0.95	0.97	1.00	1.02	1.00	1.00	1.04	1.08	1.04	1.08	1.11	1.16	1.16	1.23	1.228
Equity Multiplier	14.42	-14.19	-6.97	-4.22	-3.30	-2.18	-2.08	-1.96	-2.03	-2.00	-2.13	-2.15	-2.00	-1.77	-1.90	-1.60	-1.32	-1.21	-1.20	-0.71	-0.710

Per Share

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
EPS (Diluted TTM)	$13.74	$14.19	$16.13	$14.25	$14.61	$15.18	$15.08	$16.52	$16.99	$17.95	$19.12	$19.13	$20.45	$21.92	$23.38	$25.74	$26.98	$27.46	$31.99	$35.90	$35.90
Book Value/Share	$-3.89	$-19.56	$-25.11	$-32.76	$-31.36	$-31.53	$-30.32	$-27.78	$-27.22	$-28.78	$-29.25	$-33.15	$-38.39	$-45.84	$-45.54	$-56.86	$-72.26	$-75.47	$-88.50	$-180.47	$-180.73
Tangible Book/Share	$-31.66	$-48.29	$-54.89	$-62.73	$-61.20	$-61.91	$-60.84	$-58.48	$-57.86	$-59.62	$-60.13	$-64.21	$-69.60	$-77.08	$-77.10	$-88.83	$-104.68	$-108.17	$-121.40	$-215.34	$-215.34
Revenue/Share	$46.14	$48.19	$51.18	$52.70	$53.86	$55.02	$55.98	$58.12	$59.89	$61.49	$63.78	$66.10	$68.48	$71.51	$74.55	$78.49	$82.40	$86.10	$94.99	$105.43	$105.58
FCF/Share	$14.59	$16.91	$16.40	$17.37	$19.69	$18.51	$17.27	$17.59	$18.39	$19.58	$18.57	$22.03	$24.22	$27.13	$27.44	$30.43	$30.96	$30.68	$37.59	$43.87	$43.94
OCF/Share	$14.85	$17.10	$16.65	$17.64	$19.92	$18.75	$17.48	$17.75	$18.55	$19.77	$19.08	$22.81	$25.24	$28.39	$28.71	$31.81	$32.24	$31.68	$38.21	$44.12	$44.18
Cash/Share	$6.85	$5.89	$6.59	$5.99	$5.21	$5.50	$5.42	$6.43	$5.41	$6.36	$5.39	$6.24	$6.01	$7.42	$5.94	$7.69	$5.55	$6.76	$9.24	$10.94	$10.96
EBITDA/Share	$18.89	$20.22	$22.83	$21.02	$21.93	$22.93	$23.36	$25.05	$26.27	$26.82	$28.35	$29.00	$30.36	$31.70	$33.73	$36.97	$39.37	$41.99	$48.96	$55.83	$55.83
Debt/Share	$46.78	$61.19	$69.72	$77.30	$74.78	$77.48	$77.56	$77.83	$75.25	$78.88	$82.64	$86.01	$89.42	$98.36	$103.26	$113.96	$127.27	$134.93	$153.98	$246.58	$246.58
Net Debt/Share	$39.94	$55.30	$63.12	$71.31	$69.57	$71.99	$72.14	$71.40	$69.84	$72.52	$77.25	$79.77	$83.41	$90.94	$97.32	$106.27	$121.72	$128.17	$144.74	$235.63	$235.63

Academic Models

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	9.517
Altman Z-Prime	snapshot only																				17.551
Piotroski F-Score	7	8	8	8	6	5	6	9	9	8	8	7	8	8	8	7	7	7	8	8	8
Beneish M-Score	-2.67	-2.94	-2.52	-2.73	-2.88	-2.59	-2.45	-2.30	-2.40	-2.43	-2.14	-2.59	-2.72	-2.96	-2.76	-2.80	-2.58	-2.40	-2.56	-2.68	-2.675
Ohlson O-Score	snapshot only																				5.048
Net-Net WC	snapshot only																				$-231.38
EVA	snapshot only																				$820794548.95

Credit

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Credit Rating	snapshot only																				B-
Credit Score	79.96	75.95	74.33	71.50	73.37	73.55	70.08	70.41	73.41	71.78	77.24	76.71	73.96	70.29	73.99	66.58	65.08	62.72	73.35	20.00	20.000
Credit Grade	snapshot only																				16
Credit Trend	snapshot only																				-46.579
Implied Spread (bps)	snapshot only																				900.000
Industry Credit Rank	snapshot only																				57
Sector Credit Rank	snapshot only																				51

FICO NYSE

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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