Also trades as: FI (NYSE) · $vol 541M · 0IP9.L (LSE) · $vol 1M · FIV.DE (XETRA) · $vol 0M · FISV.TO (TSX) · $vol 0M

$47.40

-0.93 (-1.92%)

Weekly Expected Move ±4.3%

$46 $48 $50 $52 $54

NASDAQ · Technology · Information Technology Services · Tech Score Buy · Power 62 · $25.2B mcap · 529M float · 1.34% daily turnover · Short 52% of daily vol

Credit Risk of going bust: higher than 86% of companies Debt: 52.5% of company value Bonds: none of note held by US funds details ▾

Of US companies ranked in the second-riskiest tenth, about 1 in 87 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $5.37 (down 89%), Fiserv, Inc. would be worth roughly what it owes.
Total debt $27.89B against a stock market value of $25.21B.
Distance to default 2.06 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $14.55B (short-term plus half of long-term), stock volatility 69.5%; Altman Z'' 2.10. 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

45.0 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 6.9% · 5Y Avg: 5.8%

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. FISV shows a Weak competitive edge (45.0/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 6.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$48

Low

$54

Avg Target

$65

High

Based on 10 analysts since Aug 6, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 33Hold: 28Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$54.00

Analysts10

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-27	BMO Capital	—	$55	$48	-7	+1.2%	$47.44
2026-10-23	Truist Financial	—	$53	$51	-2	+0.4%	$50.82
2026-10-16	Cantor Fitzgerald	—	$53	$48	-5	+1.1%	$47.48
2026-10-09	Barclays	—	$52	$50	-2	+8.8%	$45.94
2026-08-20	Truist Financial	Matthew Coad	$52	$53	+1	+2.9%	$51.50
2026-08-07	Goldman Sachs	Will Nance	$60	$54	-6	+3.8%	$52.01
2026-08-07	Morgan Stanley	James Faucette	$65	$59	-6	+13.6%	$51.95
2026-08-07	UBS	—	$65	$60	-5	+15.5%	$51.96
2026-08-07	RBC Capital	Daniel Perlin	$75	$65	-10	+24.7%	$52.14
2026-08-07	Barclays	—	$58	$52	-6	-3.9%	$54.11
2026-07-24	Truist Financial	—	$58	$52	-6	+4.1%	$49.97
2026-07-22	BMO Capital	Andrew Bauch	$60	$55	-5	+8.0%	$50.92
2026-07-22	Cantor Fitzgerald	—	$70	$53	-17	+4.7%	$50.61
2026-07-09	Goldman Sachs	Will Nance	$105	$60	-45	+18.6%	$50.60
2026-07-09	Wells Fargo	—	$62	$56	-6	+10.7%	$50.60
2026-07-08	Barclays	Nik Cremo	$140	$58	-82	+10.0%	$52.71
2026-06-05	BNP Paribas	Thomas Poutrieux	Initiated	$46	—	-18.2%	$56.23
2026-05-29	Truist Financial	Matthew Coad	$64	$58	-6	+1.7%	$57.02
2026-05-29	Morgan Stanley	—	$64	$65	+1	+16.0%	$56.05
2026-05-15	BMO Capital	—	$65	$60	-5	+12.2%	$53.46
2026-05-06	UBS	—	$70	$65	-5	+16.5%	$55.79
2026-05-06	RBC Capital	—	Initiated	$75	—	+32.3%	$56.68
2026-05-06	Mizuho Securities	—	$100	$90	-10	+57.1%	$57.28
2026-05-06	Robert W. Baird	—	$144	$78	-66	+36.2%	$57.28
2026-05-04	Susquehanna	James Friedman	$99	$91	-8	+46.4%	$62.14
2026-04-24	Truist Financial	—	Initiated	$64	—	+5.3%	$60.80
2026-04-21	BMO Capital	—	Initiated	$65	—	+2.8%	$63.26
2026-03-27	Wells Fargo	—	$104	$62	-42	+15.0%	$53.90
2026-02-11	Morgan Stanley	James Faucette	$175	$64	-111	+1.8%	$62.85
2026-02-11	UBS	—	$108	$70	-38	+11.3%	$62.92
2026-02-11	Stephens	Charles Nabhan	$75	$70	-5	+11.8%	$62.59
2026-01-26	Cantor Fitzgerald	Ramsey El-Assal	Initiated	$70	—	+4.2%	$67.15
2026-01-16	Stephens	—	Initiated	$75	—	+12.8%	$66.46
2025-12-31	Tigress Financial	Ivan Feinseth	$150	$95	-55	+41.0%	$67.38
2025-12-22	Mizuho Securities	—	$145	$100	-45	+47.2%	$67.94
2025-11-12	Susquehanna	James Friedman	$140	$99	-41	+54.1%	$64.26
2024-07-21	Morgan Stanley	James Faucette	$106	$175	+69	+53.2%	$114.23
2023-02-08	Wells Fargo	—	$101	$104	+3	-9.8%	$115.31
2023-02-08	Credit Suisse	—	Initiated	$130	—	+12.5%	$115.59
2023-02-08	Susquehanna	—	$135	$140	+5	+21.2%	$115.48
2023-02-08	Barclays	—	$128	$140	+12	+21.4%	$115.28
2023-02-07	Raymond James	—	Initiated	$135	—	+17.1%	$115.28
2023-01-09	Wells Fargo	—	$107	$101	-6	-0.5%	$101.51
2023-01-09	Goldman Sachs	—	Initiated	$105	—	+4.2%	$100.73
2022-09-08	Wells Fargo	—	$97	$107	+10	+1.2%	$105.75
2022-08-11	Evercore ISI	David Togut	Initiated	$149	—	+37.8%	$108.11
2022-08-08	Mizuho Securities	Dan Dolev	$155	$145	-10	+36.7%	$106.08
2022-07-27	Morgan Stanley	—	Initiated	$106	—	+2.5%	$103.44
2022-07-14	Wells Fargo	Jeff Cantwell	Initiated	$97	—	+5.8%	$91.72
2022-05-03	Loop Capital Markets	—	Initiated	$125	—	+25.6%	$99.50

Financial Rating

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

A-

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FISV receives an overall rating of A-. Strongest factors: DCF (5/5), P/E (4/5), P/B (5/5). Areas of concern: D/E (1/5).

Rating Change History

Date	From	To
2026-09-02	B+	A-
2026-08-18	A-	B+
2026-07-20	B+	A-
2026-07-16	A-	B+
2026-07-10	B+	A-
2026-07-06	A-	B+
2026-06-01	A	A-
2026-04-22	A-	A
2026-04-14	A	A-
2026-04-10	A-	A

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.

★ ★ ★ ★ ★ 37 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

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. FISV scores highest in Value (78/100) and lowest in Growth (26/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

1.23

Distress Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗ ✗

Beneish M-Score

-1.61

Possible Manipulator

Ohlson O-Score

-7.70

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

BB-

Score: 39.3/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 2.09x

Accruals: -3.8%

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. FISV scores 1.23, 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. FISV scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FISV's score of -1.61 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. FISV'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. FISV receives an estimated rating of BB- (score: 39.3/100), 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). FISV's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

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

P/E

9.08x

PEG

-0.70x

P/S

1.21x

P/B

0.94x

P/FCF

6.65x

P/OCF

4.49x

EV/EBITDA

7.21x

EV/Revenue

2.57x

EV/EBIT

12.81x

EV/FCF

13.55x

Earnings Yield

10.66%

FCF Yield

15.03%

Shareholder Yield

6.28%

Graham Number

$76.84

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.1x earnings, FISV trades at a deep value multiple. An earnings yield of 10.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $76.84 per share, suggesting a potential 62% margin of safety at the current price.

DuPont Decomposition (5-Factor)

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

Tax Burden

0.834

NI / EBT

Interest Burden

0.804

EBT / EBIT

EBIT Margin

0.200

EBIT / Rev

Asset Turnover

0.257

Rev / Assets

Equity Multiplier

3.116

Assets / Equity

ROE

10.7%

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. FISV's ROE of 10.7% is driven by financial leverage (equity multiplier: 3.12x). 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

8.86%

Fair P/E

26.21x

Intrinsic Value

$137.01

Price/Value

0.36x

Margin of Safety

64.20%

Premium

-64.20%

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 FISV's realized 8.9% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FISV trades at a -64% premium to its adjusted intrinsic value of $137.01, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 26.2x compares to the current market P/E of 9.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$47.40

Median 1Y

$39.12

5th Pctile

$20.40

95th Pctile

$75.08

Ann. Volatility

39.5%

Analyst Target

$54.00

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
Michael P. Lyons Chief Executive Officer	$1,214,236	$55,881,279	$70,341,992
Frank J. Bisignano Former Chairman of the Board and Chief Executive Officer	$487,879	$25,600,157	$26,380,229
Dhivya Suryadevara Co-President	$83,333	$13,415,896	$16,799,229
Panagiotis (Takis) Georgakopoulos Co-President	$1,000,000	$12,937,840	$13,937,840
Robert W. Hau Former Chief Financial Officer (through October 31, 2025)	$750,000	$8,248,067	$8,998,067
Guy Chiarello Operating ief Operating Officer (through April 2, 2025)	$1,000,000	$7,500,186	$8,500,186
John Gibbons Co-Head Co-Head of Financial Institutions Group	$750,000	$5,660,596	$6,410,596
Adam L. Rosman Chief Administrative Officer and Chief Legal Officer	$750,000	$5,121,301	$5,871,301
Paul M. Todd Chief Financial Officer	$215,909	$1,791,502	$2,757,411

CEO Pay Ratio

388:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $70,341,992

Avg Employee Cost (SGA/emp): $181,132

Employees: 38,000

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

38,000

0.0% YoY

Revenue / Employee

$557,711

Rev: $21,193,000,000

Profit / Employee

$91,579

NI: $3,480,000,000

SGA / Employee

$181,132

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	4.1%	4.2%	5.4%	6.4%	6.7%	8.2%	7.9%	8.2%	10.0%	10.1%	11.0%	11.9%	10.7%	11.0%	11.9%	12.7%	13.6%	13.2%	12.3%	10.7%	10.75%
ROA	1.8%	1.8%	2.3%	2.7%	2.7%	3.2%	3.2%	3.2%	3.7%	3.5%	3.8%	4.0%	3.7%	3.7%	3.8%	3.9%	4.5%	4.4%	4.0%	3.4%	3.45%
ROIC	3.6%	3.5%	4.1%	4.8%	5.0%	6.0%	6.0%	6.3%	7.5%	7.7%	8.1%	8.5%	8.9%	9.6%	9.4%	9.8%	9.3%	8.6%	7.8%	6.9%	6.90%
ROCE	4.0%	4.1%	4.7%	4.9%	5.4%	6.4%	6.5%	7.0%	8.1%	8.5%	9.0%	9.6%	10.0%	10.4%	10.4%	10.8%	10.4%	10.4%	8.2%	7.4%	7.39%
Gross Margin	50.7%	48.2%	52.3%	54.1%	55.8%	57.2%	55.9%	59.4%	61.1%	62.5%	58.9%	61.2%	61.5%	61.6%	59.6%	61.8%	58.9%	57.1%	54.2%	19.2%	19.18%
Operating Margin	15.3%	12.5%	20.4%	19.3%	18.9%	25.5%	20.5%	23.8%	30.8%	29.4%	24.2%	28.0%	30.7%	31.8%	27.2%	30.7%	27.3%	22.2%	16.7%	19.2%	19.18%
Net Margin	10.3%	7.8%	16.2%	13.4%	10.6%	16.9%	12.4%	14.4%	19.5%	17.7%	15.1%	17.5%	10.8%	17.9%	16.6%	18.6%	15.0%	15.3%	11.4%	11.8%	11.85%
EBITDA Margin	35.0%	31.7%	39.7%	36.0%	36.2%	42.0%	37.5%	40.2%	46.1%	43.9%	40.1%	43.4%	45.8%	43.3%	42.0%	45.0%	36.8%	45.8%	21.3%	37.8%	37.83%
FCF Margin	18.0%	17.7%	15.9%	14.4%	16.3%	17.7%	19.0%	18.3%	20.4%	19.8%	17.5%	19.5%	22.3%	24.7%	24.0%	24.4%	21.8%	20.4%	19.7%	18.9%	18.94%
OCF Margin	24.5%	24.9%	23.5%	22.5%	24.9%	26.0%	27.2%	26.1%	27.6%	27.0%	25.0%	26.9%	29.8%	32.4%	31.1%	32.1%	30.0%	28.7%	28.6%	28.1%	28.06%
ROE 3Y Avg	snapshot only																				12.02%
ROE 5Y Avg	snapshot only																				10.19%
ROA 3Y Avg	snapshot only																				3.77%
ROIC 3Y Avg	snapshot only																				6.03%
ROIC Economic	snapshot only																				6.87%
Cash ROA	snapshot only																				7.24%
Cash ROIC	snapshot only																				10.81%
CROIC	snapshot only																				7.29%
NOPAT Margin	snapshot only																				17.91%
Pretax Margin	snapshot only																				16.10%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				34.81%
SBC / Revenue	snapshot only																				1.54%

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	55.85	51.65	39.22	28.55	29.00	25.51	29.44	31.13	23.13	26.10	29.34	25.28	33.84	38.19	38.41	28.20	19.37	10.37	9.34	9.38	9.080
P/S Ratio	4.60	4.25	4.01	3.40	3.48	3.64	3.93	4.23	3.67	4.19	4.89	4.41	5.15	5.85	6.02	4.51	3.30	1.70	1.42	1.26	1.208
P/B Ratio	2.30	2.23	2.13	1.86	1.99	2.09	2.37	2.60	2.33	2.68	3.30	3.10	3.73	4.42	4.82	3.78	2.78	1.40	1.14	0.98	0.944
P/FCF	25.48	23.98	25.24	23.71	21.30	20.56	20.71	23.10	17.98	21.21	28.01	22.67	23.13	23.62	25.12	18.48	15.12	8.34	7.20	6.65	6.653
P/OCF	18.74	17.08	17.10	15.13	13.94	13.98	14.46	16.20	13.26	15.51	19.55	16.38	17.26	18.03	19.34	14.07	11.02	5.93	4.95	4.49	4.489
EV/EBITDA	16.88	16.07	14.70	12.98	12.97	12.48	13.48	13.95	11.64	12.81	14.38	13.08	14.72	16.21	16.88	13.35	11.20	7.15	7.38	7.21	7.212
EV/Revenue	5.87	5.50	5.23	4.62	4.66	4.80	5.12	5.44	4.83	5.38	6.13	5.68	6.38	7.01	7.36	5.88	4.68	3.03	2.77	2.57	2.566
EV/EBIT	40.24	37.81	32.05	27.48	26.49	23.29	24.86	24.78	19.41	20.96	23.04	20.46	22.86	24.95	25.65	20.12	16.65	11.03	12.44	12.81	12.813
EV/FCF	32.51	31.07	32.90	32.16	28.52	27.14	26.94	29.68	23.70	27.23	35.06	29.17	28.66	28.31	30.72	24.07	21.46	14.86	14.05	13.55	13.552
Earnings Yield	1.8%	1.9%	2.5%	3.5%	3.4%	3.9%	3.4%	3.2%	4.3%	3.8%	3.4%	4.0%	3.0%	2.6%	2.6%	3.5%	5.2%	9.6%	10.7%	10.7%	10.66%
FCF Yield	3.9%	4.2%	4.0%	4.2%	4.7%	4.9%	4.8%	4.3%	5.6%	4.7%	3.6%	4.4%	4.3%	4.2%	4.0%	5.4%	6.6%	12.0%	13.9%	15.0%	15.03%
EV/OCF	snapshot only																				9.144
EV/Gross Profit	snapshot only																				5.435
Acquirers Multiple	snapshot only																				12.006
Shareholder Yield	snapshot only																				6.28%
Graham Number	snapshot only																				$76.84

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.05	1.03	1.04	1.05	1.06	1.04	1.08	1.10	1.07	1.04	1.06	1.06	1.07	1.06	1.10	1.09	1.08	1.03	1.06	1.04	1.043
Quick Ratio	1.05	1.03	1.04	1.05	1.06	1.04	1.08	1.10	1.07	1.04	1.06	1.06	1.07	1.06	1.10	1.09	1.08	1.03	1.06	1.04	1.043
Debt/Equity	0.66	0.69	0.67	0.69	0.70	0.70	0.75	0.78	0.79	0.80	0.85	0.91	0.92	0.92	1.10	1.18	1.21	1.12	1.12	1.04	1.037
Net Debt/Equity	0.63	0.66	0.65	0.66	0.68	0.67	0.71	0.74	0.74	0.76	0.83	0.89	0.89	0.88	1.07	1.14	1.16	1.09	1.09	1.01	1.013
Debt/Assets	0.28	0.28	0.28	0.28	0.28	0.26	0.29	0.30	0.28	0.26	0.26	0.27	0.32	0.32	0.35	0.37	0.38	0.36	0.36	0.34	0.345
Debt/EBITDA	3.82	3.82	3.57	3.56	3.43	3.16	3.27	3.24	2.98	2.98	2.97	2.99	2.91	2.82	3.15	3.21	3.43	3.23	3.71	3.76	3.756
Net Debt/EBITDA	3.65	3.67	3.42	3.41	3.29	3.02	3.12	3.09	2.81	2.83	2.89	2.91	2.84	2.68	3.07	3.10	3.31	3.14	3.60	3.67	3.672
Interest Coverage	3.29	3.39	3.93	4.14	4.30	4.92	4.77	4.80	5.10	4.88	4.85	4.89	4.71	4.64	4.55	4.45	4.05	3.85	3.06	2.73	2.735
Equity Multiplier	2.40	2.46	2.41	2.48	2.49	2.72	2.55	2.59	2.85	3.04	3.22	3.32	2.88	2.85	3.11	3.23	3.16	3.11	3.07	3.01	3.006
Cash Ratio	snapshot only																				0.026
Debt Service Coverage	snapshot only																				4.859
Cash to Debt	snapshot only																				0.022
FCF to Debt	snapshot only																				0.142
Defensive Interval	snapshot only																				307.1 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	0.21	0.22	0.22	0.22	0.23	0.22	0.24	0.24	0.24	0.22	0.23	0.23	0.25	0.24	0.24	0.24	0.27	0.27	0.26	0.26	0.257
Inventory Turnover	187.93	—	172.96	174.69	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	6.18	6.07	6.01	5.81	5.70	5.50	5.81	5.54	5.56	5.33	5.62	5.49	5.61	5.60	5.51	5.37	5.52	5.50	5.40	5.20	5.200
Payables Turnover	17.91	15.78	17.77	16.15	17.03	12.84	18.58	16.53	17.16	13.93	15.90	16.54	16.96	16.69	13.43	12.72	13.94	2.96	11.10	13.15	13.151
DSO	59	60	61	63	64	66	63	66	66	69	65	67	65	65	66	68	66	66	68	70	70.2 days
DIO	2	0	2	2	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	20	23	21	23	21	28	20	22	21	26	23	22	22	22	27	29	26	123	33	28	27.8 days
Cash Conversion Cycle	41	37	42	42	43	38	43	44	44	42	42	44	44	43	39	39	40	-57	35	42	42.4 days
Fixed Asset Turnover	snapshot only																				6.270
Cash Velocity	snapshot only																				33.279
Capital Intensity	snapshot only																				3.876

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	4.9%	9.3%	11.9%	10.3%	9.9%	9.3%	9.3%	8.5%	8.3%	7.6%	7.1%	7.2%	7.0%	7.1%	6.6%	6.7%	5.2%	3.6%	1.9%	-1.2%	-1.17%
Net Income	43.8%	39.2%	95.3%	78.4%	60.0%	89.7%	42.7%	23.7%	43.2%	21.3%	33.7%	37.5%	2.8%	2.1%	0.2%	-2.1%	17.8%	11.1%	-1.4%	-17.1%	-17.11%
EPS	46.0%	42.9%	1.0%	84.4%	66.1%	97.2%	48.5%	30.0%	51.3%	28.5%	41.9%	45.5%	8.7%	5.7%	5.6%	3.7%	25.4%	20.5%	3.9%	-14.5%	-14.51%
FCF	-9.7%	-11.5%	-20.6%	-26.8%	-0.6%	9.2%	30.5%	38.5%	35.3%	20.2%	-1.5%	13.8%	16.8%	34.1%	46.3%	34.0%	3.1%	-14.6%	-16.4%	-23.4%	-23.39%
EBITDA	8.3%	9.1%	20.4%	12.5%	13.4%	22.8%	16.6%	18.9%	25.3%	17.5%	20.1%	19.2%	11.7%	10.2%	9.2%	8.4%	1.4%	1.7%	-12.5%	-20.2%	-20.15%
Op. Income	25.2%	23.5%	56.6%	32.1%	36.2%	63.5%	44.0%	42.6%	53.4%	34.1%	37.4%	35.6%	19.2%	17.3%	15.8%	14.4%	9.5%	-3.1%	-15.6%	-29.9%	-29.89%
OCF Growth	snapshot only																				-13.53%
Asset Growth	snapshot only																				-0.79%
Equity Growth	snapshot only																				6.70%
Debt Growth	snapshot only																				-6.54%
Shares Change	snapshot only																				-3.04%
Dividend Growth	snapshot only																				-1.00%

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	39.8%	40.7%	41.3%	41.7%	31.2%	20.3%	13.4%	8.6%	7.7%	8.7%	9.4%	8.6%	8.4%	8.0%	7.6%	7.5%	6.8%	6.1%	5.1%	4.2%	4.18%
Revenue 5Y	23.8%	24.1%	24.4%	24.9%	25.3%	25.5%	25.9%	26.1%	26.6%	26.8%	27.0%	27.0%	21.2%	15.0%	10.7%	7.9%	7.0%	7.4%	7.3%	6.2%	6.23%
EPS 3Y	-17.9%	-11.8%	1.4%	9.0%	27.4%	45.5%	35.8%	48.7%	54.3%	53.5%	62.1%	51.7%	39.8%	38.8%	30.5%	25.2%	27.3%	17.8%	15.9%	8.9%	8.86%
EPS 5Y	-0.9%	-1.0%	5.0%	8.5%	8.6%	6.2%	2.6%	3.0%	6.8%	11.7%	17.1%	19.6%	27.7%	33.1%	30.3%	37.8%	38.0%	35.7%	36.1%	25.3%	25.33%
Net Income 3Y	-3.5%	4.0%	19.8%	28.3%	30.7%	41.5%	31.7%	44.1%	48.8%	47.4%	55.0%	44.8%	33.0%	32.9%	24.1%	18.6%	20.1%	11.2%	9.7%	3.7%	3.74%
Net Income 5Y	7.6%	7.5%	13.9%	17.7%	17.9%	15.2%	11.3%	11.6%	15.5%	20.9%	26.8%	29.1%	26.9%	28.5%	25.1%	32.1%	31.9%	29.4%	29.8%	19.8%	19.76%
EBITDA 3Y	34.6%	34.3%	43.2%	44.3%	35.2%	28.6%	17.7%	15.1%	15.5%	16.3%	19.0%	16.8%	16.7%	16.7%	15.2%	15.4%	12.4%	9.6%	4.7%	1.0%	1.05%
EBITDA 5Y	24.9%	24.5%	25.6%	25.9%	26.6%	28.2%	25.2%	26.2%	28.2%	28.5%	32.7%	33.6%	28.1%	22.5%	16.4%	14.5%	11.8%	12.0%	10.0%	6.6%	6.65%
Gross Profit 3Y	42.6%	43.3%	44.7%	45.7%	35.6%	25.9%	20.6%	16.9%	16.3%	17.5%	17.3%	15.5%	15.3%	15.4%	14.5%	13.9%	11.8%	8.9%	6.6%	-2.2%	-2.23%
Gross Profit 5Y	26.4%	26.0%	26.6%	27.5%	28.6%	29.5%	30.1%	30.8%	31.8%	32.9%	33.5%	33.7%	27.3%	20.6%	16.9%	14.4%	12.8%	12.3%	10.9%	4.7%	4.71%
Op. Income 3Y	9.1%	9.3%	20.5%	23.0%	25.6%	32.5%	27.1%	35.5%	37.8%	39.4%	45.8%	36.7%	35.6%	37.0%	31.8%	30.3%	26.0%	15.1%	10.3%	2.9%	2.85%
Op. Income 5Y	10.2%	9.6%	12.6%	14.2%	15.9%	19.5%	16.6%	18.4%	22.1%	23.4%	28.2%	29.2%	29.4%	29.6%	26.7%	31.0%	27.8%	25.2%	24.8%	15.4%	15.42%
FCF 3Y	37.1%	34.1%	31.1%	29.8%	19.5%	14.8%	12.2%	2.5%	6.7%	5.1%	0.7%	4.9%	16.3%	20.8%	23.4%	28.3%	17.7%	11.3%	6.4%	5.3%	5.33%
FCF 5Y	20.1%	20.3%	19.3%	16.2%	20.2%	21.3%	25.6%	25.5%	28.2%	25.9%	23.7%	28.1%	22.0%	19.5%	15.3%	10.5%	7.9%	5.9%	4.6%	3.4%	3.45%
OCF 3Y	38.8%	37.5%	35.9%	36.1%	25.5%	16.7%	13.0%	4.3%	6.9%	7.6%	4.9%	7.9%	15.7%	18.0%	18.3%	21.0%	13.6%	9.6%	7.0%	6.7%	6.70%
OCF 5Y	22.0%	23.0%	23.0%	21.7%	25.3%	25.5%	28.8%	28.0%	29.1%	27.2%	25.6%	28.5%	22.4%	17.9%	13.5%	9.8%	8.3%	8.0%	7.5%	6.7%	6.67%
Assets 3Y	91.7%	89.2%	86.3%	57.8%	-1.0%	2.7%	1.8%	0.2%	5.2%	6.8%	7.4%	7.2%	1.7%	0.4%	2.1%	1.8%	1.6%	-1.5%	1.7%	1.4%	1.39%
Assets 5Y	51.0%	50.9%	50.7%	51.5%	49.3%	52.1%	49.7%	50.0%	50.9%	51.8%	51.3%	36.6%	0.5%	-0.1%	2.1%	1.1%	1.9%	1.4%	1.5%	1.3%	1.31%
Equity 3Y	1.3%	1.4%	1.4%	1.3%	-2.5%	-2.2%	-1.9%	-1.7%	-2.3%	-2.6%	-3.3%	-4.0%	-4.2%	-4.4%	-6.1%	-6.8%	-6.1%	-5.8%	-4.5%	-3.6%	-3.56%
Book Value 3Y	94.0%	1.0%	99.4%	95.8%	-4.9%	0.6%	1.1%	1.4%	1.3%	1.4%	1.1%	0.6%	0.6%	-0.1%	-1.2%	-1.5%	-0.5%	-0.2%	0.9%	1.2%	1.20%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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	0.78	0.86	0.87	0.83	0.89	0.97	0.97	0.91	0.89	0.91	0.91	0.90	0.92	0.95	0.98	1.00	1.00	0.99	0.97	0.93	0.932
Earnings Stability	0.10	0.06	0.16	0.29	0.39	0.38	0.41	0.51	0.60	0.74	0.83	0.90	0.92	0.92	0.92	0.95	0.97	0.91	0.86	0.66	0.661
Margin Stability	0.96	0.97	0.96	0.95	0.94	0.93	0.93	0.91	0.91	0.90	0.90	0.90	0.90	0.89	0.88	0.88	0.89	0.90	0.92	0.89	0.888
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	0.00	0.000
Earn. Growth Consistency	0.50	1.00	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	0.00	1.00	1.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.82	0.84	0.50	0.50	0.50	0.50	0.83	0.91	0.83	0.91	0.87	0.85	0.99	0.99	1.00	0.99	0.93	0.96	0.99	0.93	0.932
Earnings Smoothness	0.64	0.67	0.35	0.44	0.54	0.38	0.65	0.79	0.64	0.81	0.71	0.68	0.97	0.98	1.00	0.98	0.84	0.89	0.99	0.81	0.813
ROE Trend	0.01	0.01	0.02	0.03	0.03	0.05	0.04	0.03	0.05	0.04	0.05	0.05	0.03	0.02	0.03	0.03	0.04	0.03	0.00	-0.02	-0.024
Gross Margin Trend	0.04	0.02	0.03	0.03	0.04	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.05	0.03	0.03	0.02	0.01	-0.01	-0.03	-0.14	-0.138
FCF Margin Trend	-0.03	-0.03	-0.05	-0.07	-0.03	-0.02	-0.00	0.00	0.03	0.02	0.00	0.03	0.04	0.06	0.06	0.06	0.00	-0.02	-0.01	-0.03	-0.030
Sustainable Growth Rate	4.1%	4.2%	5.4%	6.4%	6.7%	8.2%	7.9%	8.2%	10.0%	10.1%	11.0%	11.9%	6.8%	7.1%	7.8%	8.5%	13.6%	13.2%	12.3%	10.7%	10.75%
Internal Growth Rate	1.8%	1.8%	2.3%	2.7%	2.8%	3.3%	3.3%	3.3%	3.9%	3.6%	4.0%	4.2%	2.4%	2.5%	2.5%	2.7%	4.7%	4.6%	4.1%	3.6%	3.57%

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	2.98	3.02	2.29	1.89	2.08	1.83	2.04	1.92	1.74	1.68	1.50	1.54	1.96	2.12	1.99	2.00	1.76	1.75	1.89	2.09	2.091
FCF/OCF	0.74	0.71	0.68	0.64	0.65	0.68	0.70	0.70	0.74	0.73	0.70	0.72	0.75	0.76	0.77	0.76	0.73	0.71	0.69	0.67	0.675
FCF/Net Income	snapshot only																				1.411
OCF/EBITDA	snapshot only																				0.789
CapEx/Revenue	6.5%	7.1%	7.6%	8.1%	8.6%	8.3%	8.2%	7.8%	7.3%	7.3%	7.6%	7.5%	7.6%	7.7%	7.2%	7.6%	8.1%	8.3%	8.9%	9.1%	9.13%
CapEx/Depreciation	snapshot only																				0.587
Accruals Ratio	-0.03	-0.04	-0.03	-0.02	-0.03	-0.03	-0.03	-0.03	-0.03	-0.02	-0.02	-0.02	-0.04	-0.04	-0.04	-0.04	-0.03	-0.03	-0.04	-0.04	-0.038
Sloan Accruals	snapshot only																				-0.053
Cash Flow Adequacy	snapshot only																				3.074
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.1%	0.9%	0.9%	1.2%	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	$1.91	$1.89	$1.95	$2.00	$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%	36.0%	35.2%	34.0%	32.6%	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%	24.6%	21.8%	22.2%	21.4%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	1.5%	2.1%	1.5%	1.2%	1.4%	1.1%	1.5%	1.7%	1.5%	1.6%	1.5%	1.6%	2.2%	2.2%	2.3%	2.5%	2.0%	1.7%	1.2%	58.9%	58.91%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	2.7%	4.0%	3.9%	4.3%	4.8%	4.1%	5.1%	5.4%	6.6%	6.0%	5.2%	6.3%	5.3%	4.9%	5.2%	7.6%	10.1%	16.4%	12.7%	6.3%	6.28%
Net Buyback Yield	2.5%	3.8%	3.7%	4.1%	4.6%	3.9%	4.9%	5.2%	6.4%	5.9%	5.1%	6.1%	5.2%	4.8%	5.2%	7.5%	10.0%	16.2%	12.5%	6.1%	6.10%
Total Shareholder Return	2.5%	3.8%	3.7%	4.1%	4.6%	3.9%	4.9%	5.2%	6.4%	5.9%	5.1%	6.1%	6.3%	5.7%	6.0%	8.7%	10.0%	16.2%	12.5%	6.1%	6.10%

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)	0.77	0.76	0.77	0.83	0.81	0.81	0.79	0.79	0.79	0.79	0.79	0.79	0.81	0.82	0.82	0.82	0.81	0.81	0.83	0.83	0.834
Interest Burden (EBT/EBIT)	0.73	0.75	0.82	0.86	0.85	0.86	0.82	0.79	0.80	0.79	0.79	0.79	0.67	0.67	0.67	0.66	0.74	0.74	0.82	0.80	0.804
EBIT Margin	0.15	0.15	0.16	0.17	0.18	0.21	0.21	0.22	0.25	0.26	0.27	0.28	0.28	0.28	0.29	0.29	0.28	0.27	0.22	0.20	0.200
Asset Turnover	0.21	0.22	0.22	0.22	0.23	0.22	0.24	0.24	0.24	0.22	0.23	0.23	0.25	0.24	0.24	0.24	0.27	0.27	0.26	0.26	0.257
Equity Multiplier	2.34	2.38	2.38	2.43	2.45	2.59	2.48	2.53	2.67	2.88	2.87	2.94	2.86	2.95	3.17	3.28	3.01	2.98	3.09	3.12	3.116

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)	$1.94	$2.01	$2.59	$3.12	$3.23	$3.96	$3.84	$4.05	$4.88	$5.09	$5.45	$5.90	$5.31	$5.38	$5.75	$6.11	$6.66	$6.48	$5.98	$5.23	$5.23
Book Value/Share	$47.18	$46.62	$47.58	$47.80	$47.02	$48.27	$47.64	$48.44	$48.46	$49.54	$48.42	$48.09	$48.10	$46.50	$45.84	$45.62	$46.37	$48.03	$48.94	$50.20	$50.24
Tangible Book/Share	$-28.33	$-29.36	$-28.47	$-28.79	$-28.48	$-28.81	$-29.99	$-30.52	$-30.64	$-30.79	$-32.22	$-32.91	$-34.15	$-33.42	$-38.25	$-41.01	$-31.78	$-31.62	$-39.94	$-19.82	$-19.82
Revenue/Share	$23.59	$24.44	$25.27	$26.13	$26.92	$27.77	$28.74	$29.80	$30.82	$31.68	$32.66	$33.79	$34.88	$35.14	$36.66	$38.20	$39.06	$39.47	$39.39	$38.94	$38.94
FCF/Share	$4.26	$4.33	$4.02	$3.75	$4.39	$4.92	$5.46	$5.46	$6.28	$6.26	$5.71	$6.57	$7.77	$8.70	$8.79	$9.33	$8.53	$8.05	$7.75	$7.37	$7.33
OCF/Share	$5.79	$6.08	$5.93	$5.88	$6.71	$7.23	$7.81	$7.79	$8.52	$8.56	$8.18	$9.10	$10.41	$11.39	$11.42	$12.25	$11.70	$11.34	$11.28	$10.93	$10.88
Cash/Share	$1.39	$1.26	$1.31	$1.36	$1.38	$1.41	$1.66	$1.75	$2.21	$2.00	$1.00	$1.04	$1.07	$2.12	$1.14	$1.81	$1.97	$1.49	$1.55	$1.17	$1.17
EBITDA/Share	$8.20	$8.37	$8.99	$9.30	$9.66	$10.69	$10.91	$11.62	$12.79	$13.31	$13.91	$14.66	$15.12	$15.18	$16.00	$16.82	$16.33	$16.74	$14.76	$13.85	$13.85
Debt/Share	$31.34	$31.99	$32.06	$33.06	$33.14	$33.73	$35.69	$37.66	$38.19	$39.66	$41.26	$43.76	$44.02	$42.87	$50.32	$53.98	$55.96	$54.00	$54.74	$52.04	$52.04
Net Debt/Share	$29.95	$30.73	$30.75	$31.70	$31.76	$32.32	$34.03	$35.92	$35.98	$37.66	$40.25	$42.72	$42.95	$40.75	$49.18	$52.17	$53.99	$52.51	$53.19	$50.87	$50.87

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 Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.225
Altman Z-Prime	snapshot only																				2.083
Piotroski F-Score	8	6	9	8	8	9	8	8	9	7	7	7	7	7	8	8	7	6	5	5	5
Beneish M-Score	-2.47	-2.48	-2.55	-2.45	-2.52	-2.46	-2.55	-2.60	-2.61	-2.65	-2.54	-2.53	-2.55	-2.63	-2.47	-2.52	-2.54	-2.54	-2.69	-1.61	-1.606
Ohlson O-Score	snapshot only																				-7.698
Net-Net WC	snapshot only																				$-53.36
EVA	snapshot only																				$-1678610211.37

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																				BB-
Credit Score	41.16	41.63	41.39	42.15	42.21	42.86	42.32	42.30	47.57	43.66	43.24	43.54	48.93	50.52	47.52	47.60	42.20	38.44	42.10	39.27	39.266
Credit Grade	snapshot only																				13
Credit Trend	snapshot only																				-8.331
Implied Spread (bps)	snapshot only																				550.000
Industry Credit Rank	snapshot only																				24
Sector Credit Rank	snapshot only																				24

FISV 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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