Also trades as: FITBM (NASDAQ) · $vol 2M · FITBI (NASDAQ) · $vol 1M · FITBO (NASDAQ) · $vol 0M · FITBP (NASDAQ) · $vol 0M · 0IM1.L (LSE) · $vol 0M

$49.48

+0.32 (+0.65%)

Weekly Expected Move ±3.3%

$44 $46 $47 $49 $50

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 56 · $35.0B mcap · 702M float · 1.17% daily turnover · Short 61% 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

48.7 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 15.7% · 5Y Avg: 17.4%

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. FITB shows a Weak competitive edge (48.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 15.7% 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

$53

Low

$58

Avg Target

$63

High

Based on 3 analysts since Apr 17, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 26Hold: 22Sell: 2Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$57.67

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-21	Truist Financial	—	$60	$57	-3	+11.7%	$51.05
2026-04-21	Evercore ISI	—	$57	$53	-4	+2.6%	$51.67
2026-04-20	Barclays	Jason Goldberg	$61	$63	+2	+25.1%	$50.34
2026-02-05	Evercore ISI	—	$52	$57	+5	+6.6%	$53.48
2026-02-04	UBS	Erika Najarian	$57	$59	+2	+8.1%	$54.57
2026-01-26	Truist Financial	—	$55	$60	+5	+19.5%	$50.23
2026-01-26	D.A. Davidson	Peter Winter	$52	$58	+6	+15.6%	$50.19
2026-01-21	RBC Capital	—	$43	$57	+14	+10.4%	$51.62
2026-01-07	Wolfe Research	—	$43	$55	+12	+12.0%	$49.10
2026-01-06	Evercore ISI	John Pancari	$49	$52	+3	+5.1%	$49.47
2026-01-06	UBS	—	$45	$57	+12	+17.2%	$48.62
2026-01-05	Barclays	—	$47	$61	+14	+27.9%	$47.71
2025-12-22	Truist Financial	Brian Foran	Initiated	$55	—	+14.3%	$48.10
2025-12-10	Piper Sandler	—	$48	$50	+2	+10.7%	$45.17
2025-10-14	Stephens	—	$42	$52	+10	+23.2%	$42.20
2025-10-08	D.A. Davidson	—	$47	$52	+5	+18.1%	$44.03
2025-10-07	UBS	—	$39	$45	+6	+3.0%	$43.67
2025-10-07	Morgan Stanley	Manan Gosalia	$56	$60	+4	+37.0%	$43.79
2025-09-30	Evercore ISI	—	Initiated	$49	—	+7.9%	$45.40
2025-09-29	Morgan Stanley	Manan Gosalia	$37	$56	+19	+23.3%	$45.43
2025-06-09	D.A. Davidson	Peter Winter	$46	$47	+1	+18.7%	$39.58
2024-10-21	D.A. Davidson	Peter Winter	$42	$46	+4	+6.1%	$43.37
2024-10-21	Citigroup	Keith Horowitz	$31	$43	+12	-3.7%	$44.67
2024-10-03	Piper Sandler	Scott Siefers	$45	$48	+3	+14.9%	$41.77
2024-09-11	Stephens	Terry McEvoy	$41	$42	+1	+5.5%	$39.80
2024-09-03	Piper Sandler	Scott Siefers	Initiated	$45	—	+6.3%	$42.34
2024-07-22	Argus Research	Stephen Biggar	$49	$46	-3	+13.8%	$40.41
2024-07-22	RBC Capital	Gerard Cassidy	Initiated	$43	—	+4.9%	$40.99
2024-07-22	D.A. Davidson	Peter Winter	$36	$42	+6	+2.5%	$40.99
2024-06-12	Wells Fargo	Mike Mayo	Initiated	$42	—	+19.0%	$35.28
2024-05-30	Wolfe Research	Bill Carcache	Initiated	$43	—	+17.0%	$36.75
2024-04-04	UBS	Erika Najarian	$56	$39	-17	+8.2%	$36.05
2024-03-31	Robert W. Baird	David George	Initiated	$32	—	-14.0%	$37.21
2024-03-19	Stephens	Terry McEvoy	Initiated	$41	—	+15.7%	$35.43
2024-01-18	Citigroup	Keith Horowitz	Initiated	$31	—	-39.7%	$51.41
2023-01-03	Barclays	—	$53	$47	-6	+43.2%	$32.81
2022-12-21	D.A. Davidson	—	Initiated	$36	—	+12.7%	$31.94
2022-12-05	Morgan Stanley	—	$43	$37	-6	+11.2%	$33.28
2022-07-12	Morgan Stanley	—	Initiated	$43	—	+26.6%	$33.96
2022-01-11	UBS	Erika Najarian	Initiated	$56	—	+14.6%	$48.88
2022-01-02	Barclays	Jason Goldberg	Initiated	$53	—	+19.4%	$44.38
2021-10-19	Argus Research	Stephen Biggar	Initiated	$49	—	+8.9%	$44.98
2021-07-05	KBW	David Konrad	Initiated	$42	—	+14.8%	$36.57

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.

May 22, 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. FITB receives an overall rating of B. Strongest factors: DCF (4/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-27	B+	B
2026-04-21	A-	B+
2026-04-01	B	A-
2026-01-30	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.

★ ★ ★ ★ ★ 36 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. FITB scores highest in Safety (80/100) and lowest in Profitability (36/100). 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-B Score

2.99

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

9.99

Possible Manipulator

Ohlson O-Score

-6.25

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

A-

Score: 68.2/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.00x

Accruals: -0.0%

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. FITB scores 2.99, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. 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. FITB 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. FITB's score of 9.99 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. FITB's implied 0.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. FITB receives an estimated rating of A- (score: 68.2/100), 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). FITB'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

18.79x

PEG

-3.50x

P/S

2.56x

P/B

1.20x

P/FCF

19.44x

P/OCF

17.74x

EV/EBITDA

10.12x

EV/Revenue

2.25x

EV/EBIT

11.11x

EV/FCF

15.48x

Earnings Yield

5.63%

FCF Yield

5.14%

Shareholder Yield

3.82%

Graham Number

$39.25

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 18.8x earnings, FITB trades at a reasonable valuation. An earnings yield of 5.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $39.25 per share, 26% 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

0.786

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.202

EBIT / Rev

Asset Turnover

0.064

Rev / Assets

Equity Multiplier

10.329

Assets / Equity

ROE

10.5%

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. FITB's ROE of 10.5% is driven by financial leverage (equity multiplier: 10.33x). 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.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$22.25

Price/Value

2.09x

Margin of Safety

-108.84%

Premium

108.84%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FITB's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. FITB trades at a 109% premium to its adjusted intrinsic value of $22.25, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 18.8x.

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

$49.48

Median 1Y

$52.20

5th Pctile

$28.73

95th Pctile

$94.77

Ann. Volatility

40.0%

Analyst Target

$57.67

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
George A. Schaefer, Jr President and Chief Executive Officer Executive Vice President Executive Vice President and Chief Financial Officer	$990,018	$859,650	$3,116,871
Stephen J. Schrantz	$599,997	$—	$946,197
Kevin T. Kabat Executive Vice President	$520,000	$—	$934,800
Robert P. Niehaus	$524,992	$—	$849,291
Neal E. Arnold Executive Vice President	$524,992	$—	$843,591
Robert J. King, Jr	$520,000	$—	$826,500
Michael D. Baker	$520,000	$—	$826,500

CEO Pay Ratio

15:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,116,871

Avg Employee Cost (SGA/emp): $202,345

Employees: 18,676

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

18,676

+0.3% YoY

Revenue / Employee

$688,906

Rev: $12,866,000,000

Profit / Employee

$135,093

NI: $2,523,000,000

SGA / Employee

$202,345

Avg labor cost proxy

R&D / Employee

$6,854

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	Q2'21	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	Current
ROE	11.7%	12.2%	12.2%	11.3%	10.7%	10.5%	12.4%	12.7%	12.9%	12.9%	12.9%	12.7%	12.7%	12.2%	11.9%	11.9%	12.0%	12.4%	12.2%	10.5%	10.51%
ROA	1.4%	1.4%	1.3%	1.2%	1.2%	1.1%	1.2%	1.2%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.2%	1.0%	1.02%
ROIC	-7.5%	-7.9%	-6.9%	-6.4%	-6.0%	-5.9%	-9.2%	-9.5%	-9.6%	-9.6%	-6.5%	-6.4%	-6.4%	-6.1%	-11.4%	-11.4%	-11.5%	-11.9%	18.2%	15.7%	15.67%
ROCE	7.4%	7.7%	8.6%	7.9%	7.5%	7.3%	8.0%	8.2%	8.4%	8.4%	7.0%	6.9%	6.8%	6.6%	7.1%	7.1%	7.2%	7.5%	8.1%	7.0%	6.99%
Gross Margin	1.0%	97.0%	97.4%	92.7%	85.3%	82.2%	75.2%	69.8%	63.7%	61.9%	61.0%	59.7%	59.2%	57.5%	60.7%	62.0%	63.8%	63.8%	71.4%	67.3%	67.29%
Operating Margin	46.1%	44.0%	41.9%	32.3%	34.9%	35.9%	33.4%	25.2%	25.8%	26.7%	19.7%	20.1%	23.4%	22.0%	23.7%	21.2%	25.2%	25.4%	27.8%	5.4%	5.35%
Net Margin	35.9%	34.6%	33.6%	26.0%	27.1%	27.7%	27.0%	19.6%	20.0%	20.8%	16.1%	15.9%	18.4%	17.3%	19.2%	16.7%	19.6%	19.7%	22.3%	4.3%	4.27%
EBITDA Margin	52.3%	50.3%	40.8%	38.0%	40.2%	40.3%	37.5%	29.3%	29.6%	30.3%	23.2%	24.0%	27.1%	25.7%	27.5%	25.6%	29.5%	29.4%	27.8%	5.4%	5.35%
FCF Margin	-23.0%	-7.2%	30.1%	56.0%	61.2%	63.8%	65.7%	55.6%	46.1%	33.9%	32.6%	24.6%	26.0%	34.9%	18.4%	24.8%	29.0%	26.2%	33.7%	14.5%	14.53%
OCF Margin	-18.5%	-3.6%	34.0%	60.4%	65.5%	68.6%	70.9%	60.5%	51.0%	38.3%	36.6%	28.0%	29.0%	38.0%	21.6%	28.5%	33.5%	27.2%	35.1%	15.9%	15.92%
ROE 3Y Avg	snapshot only																				11.27%
ROE 5Y Avg	snapshot only																				11.97%
ROA 3Y Avg	snapshot only																				1.06%
ROIC 3Y Avg	snapshot only																				13.69%
ROIC Economic	snapshot only																				6.04%
Cash ROA	snapshot only																				1.01%
Cash ROIC	snapshot only																				15.69%
CROIC	snapshot only																				14.31%
NOPAT Margin	snapshot only																				15.91%
Pretax Margin	snapshot only																				20.24%
R&D / Revenue	snapshot only																				0.94%
SGA / Revenue	snapshot only																				29.94%
SBC / Revenue	snapshot only																				1.72%

Valuation

Metric	Q2'21	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	Current
P/E Ratio	9.01	9.46	9.45	10.11	8.43	8.27	8.31	6.62	6.46	6.32	9.47	10.53	10.43	12.75	12.12	11.28	11.76	12.39	12.42	17.75	18.788
P/S Ratio	2.96	3.23	3.29	3.30	2.56	2.36	2.24	1.66	1.51	1.37	1.80	1.91	1.85	2.16	2.14	2.02	2.14	2.33	2.43	2.82	2.560
P/B Ratio	1.01	1.11	1.18	1.17	0.92	0.88	1.17	0.96	0.95	0.93	1.16	1.27	1.26	1.48	1.43	1.33	1.40	1.52	1.44	1.78	1.197
P/FCF	-12.87	-45.14	10.93	5.89	4.18	3.71	3.41	2.98	3.26	4.05	5.54	7.77	7.15	6.18	11.63	8.16	7.39	8.90	7.22	19.44	19.443
P/OCF	—	—	9.68	5.46	3.91	3.44	3.16	2.74	2.95	3.58	4.93	6.81	6.39	5.67	9.93	7.09	6.39	8.58	6.94	17.74	17.735
EV/EBITDA	-9.03	-8.10	-9.40	-10.20	-12.44	-12.96	-6.66	-7.47	-7.39	-7.46	-9.63	-9.16	-9.24	-8.26	-3.50	-4.08	-3.59	-2.81	6.49	10.12	10.123
EV/Revenue	-4.34	-4.02	-4.57	-4.64	-5.28	-5.17	-2.59	-2.72	-2.50	-2.35	-2.70	-2.44	-2.41	-2.07	-0.91	-1.08	-0.97	-0.79	1.82	2.25	2.249
EV/EBIT	-10.41	-9.29	-10.33	-11.25	-13.76	-14.26	-7.59	-8.51	-8.41	-8.51	-11.12	-10.64	-10.75	-9.69	-4.09	-4.79	-4.23	-3.29	7.31	11.11	11.112
EV/FCF	18.89	56.17	-15.17	-8.28	-8.62	-8.10	-3.95	-4.89	-5.42	-6.93	-8.27	-9.95	-9.30	-5.92	-4.95	-4.37	-3.36	-3.00	5.41	15.48	15.481
Earnings Yield	11.1%	10.6%	10.6%	9.9%	11.9%	12.1%	12.0%	15.1%	15.5%	15.8%	10.6%	9.5%	9.6%	7.8%	8.3%	8.9%	8.5%	8.1%	8.1%	5.6%	5.63%
FCF Yield	-7.8%	-2.2%	9.2%	17.0%	23.9%	27.0%	29.3%	33.6%	30.6%	24.7%	18.1%	12.9%	14.0%	16.2%	8.6%	12.3%	13.5%	11.2%	13.9%	5.1%	5.14%
Price/Tangible Book	snapshot only																				2.309
EV/OCF	snapshot only																				14.122
EV/Gross Profit	snapshot only																				3.377
Acquirers Multiple	snapshot only																				11.112
Shareholder Yield	snapshot only																				3.82%
Graham Number	snapshot only																				$39.25

Leverage & Solvency

Metric	Q2'21	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	Current
Current Ratio	0.50	0.50	0.48	0.48	0.48	0.48	0.41	0.41	0.41	0.41	0.47	0.47	0.47	0.47	0.38	0.38	0.38	0.38	0.82	0.82	0.821
Quick Ratio	0.50	0.50	0.48	0.48	0.48	0.48	0.41	0.41	0.41	0.41	0.47	0.47	0.47	0.47	0.38	0.38	0.38	0.38	0.82	0.82	0.821
Debt/Equity	0.69	0.69	0.57	0.57	0.57	0.57	1.07	1.07	1.07	1.07	1.01	1.01	1.01	1.01	0.97	0.97	0.97	0.97	0.67	0.67	0.668
Net Debt/Equity	-2.49	-2.49	-2.81	-2.81	-2.81	-2.81	-2.53	-2.53	-2.53	-2.53	-2.89	-2.89	-2.89	-2.89	-2.03	-2.03	-2.03	-2.03	-0.36	-0.36	-0.362
Debt/Assets	0.08	0.08	0.06	0.06	0.06	0.06	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.07	0.07	0.068
Debt/EBITDA	4.22	4.06	3.27	3.53	3.74	3.82	5.27	5.11	5.03	5.01	5.63	5.71	5.72	5.91	5.56	5.56	5.46	5.28	4.02	4.78	4.784
Net Debt/EBITDA	-15.18	-14.61	-16.17	-17.45	-18.48	-18.88	-12.42	-12.03	-11.84	-11.81	-16.08	-16.31	-16.34	-16.89	-11.72	-11.71	-11.50	-11.13	-2.17	-2.59	-2.591
Interest Coverage	6.17	7.20	7.94	7.90	7.27	5.19	3.16	2.02	1.37	1.02	0.76	0.66	0.61	0.57	0.61	0.64	0.68	0.75	0.82	0.70	0.697
Equity Multiplier	8.86	8.86	9.51	9.51	9.51	9.51	11.97	11.97	11.97	11.97	11.19	11.19	11.19	11.19	10.84	10.84	10.84	10.84	9.87	9.87	9.868
Cash Ratio	snapshot only																				0.128
Debt Service Coverage	snapshot only																				0.765
Cash to Debt	snapshot only																				1.542
FCF to Debt	snapshot only																				0.137
Defensive Interval	snapshot only																				8230.0 days

Efficiency & Turnover

Metric	Q2'21	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	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.064
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	2.97	2.99	2.82	2.80	2.83	2.95	2.87	3.18	3.47	3.73	4.05	4.19	4.27	4.32	4.37	4.31	4.29	4.29	0.21	0.22	0.221
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.05	0.05	0.053
DSO (trade)	123	122	129	130	129	124	127	115	105	98	90	87	85	85	83	85	85	85	1753	1651	1651.2 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	7021	6874	6873.5 days
Cash Conversion Cycle (trade)	123	122	129	130	129	124	127	115	105	98	90	87	85	85	83	85	85	85	-5268	-5222	-5222.3 days
Fixed Asset Turnover	snapshot only																				4.394
Cash Velocity	snapshot only																				0.610
Capital Intensity	snapshot only																				15.696

Growth (YoY)

Metric	Q2'21	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	Current
Revenue	-8.2%	-4.3%	-1.5%	-0.4%	1.1%	4.6%	13.9%	27.1%	37.2%	41.7%	36.0%	27.2%	18.8%	11.7%	6.1%	1.1%	-1.3%	-2.4%	-1.6%	6.0%	6.05%
Net Income	69.8%	74.2%	94.2%	23.9%	-6.4%	-12.5%	-11.7%	-2.3%	5.2%	7.8%	-4.0%	-7.9%	-9.3%	-13.0%	-1.5%	-0.1%	1.1%	8.5%	9.0%	-5.9%	-5.89%
EPS	69.7%	77.4%	1.0%	28.8%	-3.2%	-11.1%	-11.3%	-1.4%	6.5%	8.9%	-3.1%	-8.1%	-10.0%	-12.9%	-0.6%	2.1%	3.6%	10.9%	11.0%	-23.4%	-23.37%
FCF	-1.7%	-1.2%	183.2%	6.7%	3.7%	10.3%	1.5%	26.3%	3.3%	-24.6%	-32.5%	-43.8%	-33.1%	14.8%	-40.0%	1.9%	10.2%	-26.8%	80.0%	-37.8%	-37.84%
EBITDA	55.4%	55.6%	69.0%	15.0%	-10.7%	-16.0%	-8.7%	1.8%	9.4%	12.1%	-2.3%	-6.7%	-8.3%	-11.5%	-1.2%	0.3%	2.3%	9.3%	6.0%	-11.1%	-11.08%
Op. Income	69.9%	72.5%	95.8%	23.9%	-6.9%	-12.4%	-12.0%	-1.4%	6.3%	8.1%	-3.4%	-8.5%	-10.3%	-13.9%	-2.5%	-0.6%	1.2%	9.4%	10.1%	-5.0%	-5.02%
OCF Growth	snapshot only																				-40.75%
Asset Growth	snapshot only																				0.68%
Equity Growth	snapshot only																				10.58%
Debt Growth	snapshot only																				-23.49%
Shares Change	snapshot only																				22.81%
Dividend Growth	snapshot only																				-1.01%

Growth (CAGR)

Metric	Q2'21	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	Current
Revenue 3Y	5.9%	5.0%	3.6%	2.0%	0.5%	-0.2%	1.6%	4.3%	8.4%	12.4%	15.1%	17.2%	18.1%	18.3%	18.0%	17.8%	17.2%	15.6%	12.4%	10.9%	10.89%
Revenue 5Y	4.2%	4.6%	4.9%	4.9%	5.0%	5.6%	7.4%	9.2%	10.5%	11.4%	11.5%	11.4%	10.6%	9.5%	8.7%	7.8%	8.3%	9.1%	9.8%	11.5%	11.53%
EPS 3Y	-3.9%	5.1%	6.0%	2.7%	6.9%	3.8%	0.6%	13.7%	20.5%	19.8%	20.0%	5.3%	-2.5%	-5.5%	-5.1%	-2.6%	-0.2%	1.7%	2.3%	-10.4%	-10.41%
EPS 5Y	10.3%	9.8%	14.0%	12.8%	10.7%	3.8%	2.8%	-0.2%	-1.8%	2.4%	0.5%	-0.4%	3.2%	1.2%	-0.4%	6.7%	10.3%	10.7%	13.8%	-1.8%	-1.81%
Net Income 3Y	-2.9%	6.4%	7.8%	4.0%	4.3%	1.8%	-0.9%	12.1%	18.7%	18.0%	18.1%	3.7%	-3.7%	-6.4%	-5.8%	-3.5%	-1.2%	0.6%	1.0%	-4.7%	-4.69%
Net Income 5Y	8.9%	8.2%	12.2%	10.8%	9.0%	2.7%	2.2%	-0.6%	-2.0%	2.6%	1.2%	0.2%	1.6%	-0.2%	-1.6%	5.3%	8.9%	9.2%	12.1%	0.9%	0.94%
EBITDA 3Y	-1.0%	10.3%	5.8%	2.0%	2.1%	-0.5%	-1.3%	9.6%	14.9%	13.6%	14.7%	3.0%	-3.6%	-5.9%	-4.1%	-1.6%	0.9%	2.8%	0.8%	-5.9%	-5.93%
EBITDA 5Y	6.4%	5.9%	9.0%	7.8%	6.3%	0.3%	2.6%	0.2%	-1.1%	4.8%	1.1%	0.2%	1.3%	-0.4%	-1.5%	4.3%	7.3%	7.2%	9.6%	-0.5%	-0.53%
Gross Profit 3Y	10.7%	10.7%	10.2%	8.5%	6.2%	4.3%	3.9%	6.6%	9.8%	9.5%	8.4%	3.8%	0.8%	-0.0%	-0.6%	0.3%	1.8%	2.8%	3.8%	5.5%	5.46%
Gross Profit 5Y	7.1%	7.7%	8.1%	7.5%	6.6%	6.4%	6.8%	7.1%	6.9%	6.6%	6.0%	5.6%	4.9%	3.7%	2.9%	3.7%	5.6%	5.9%	6.3%	5.4%	5.35%
Op. Income 3Y	-2.2%	10.1%	6.6%	2.5%	2.4%	0.3%	-1.1%	12.2%	18.9%	17.8%	18.5%	3.8%	-3.9%	-6.6%	-6.1%	-3.6%	-1.2%	0.6%	1.2%	-4.8%	-4.78%
Op. Income 5Y	7.2%	6.5%	11.2%	9.9%	7.9%	0.8%	2.2%	-0.3%	-1.5%	4.8%	0.6%	-0.6%	0.5%	-1.3%	-1.9%	5.1%	8.8%	9.0%	12.3%	1.1%	1.08%
FCF 3Y	—	—	-3.5%	14.7%	31.5%	67.7%	57.7%	58.2%	24.1%	10.0%	5.8%	—	—	—	0.2%	-10.2%	-8.7%	-14.1%	-10.0%	-29.1%	-29.12%
FCF 5Y	—	—	5.9%	17.5%	22.5%	22.1%	36.5%	41.0%	20.8%	15.2%	8.6%	1.4%	9.4%	32.5%	9.7%	17.8%	7.1%	2.3%	2.2%	—	—
OCF 3Y	—	—	-1.8%	15.0%	30.1%	60.7%	52.2%	52.1%	23.5%	9.9%	1.3%	—	—	—	1.5%	-8.3%	-6.3%	-15.1%	-11.1%	-28.9%	-28.94%
OCF 5Y	—	—	5.0%	16.2%	20.5%	21.6%	34.0%	37.8%	21.2%	15.6%	9.6%	2.7%	9.7%	29.5%	9.1%	16.3%	7.7%	0.5%	64.8%	—	—
Assets 3Y	12.9%	12.9%	13.1%	13.1%	13.1%	13.1%	7.0%	7.0%	7.0%	7.0%	1.6%	1.6%	1.6%	1.6%	0.3%	0.3%	0.3%	0.3%	1.1%	1.1%	1.10%
Assets 5Y	7.7%	7.7%	8.2%	8.2%	8.2%	8.2%	7.9%	7.9%	7.9%	7.9%	8.0%	8.0%	8.0%	8.0%	4.7%	4.7%	4.7%	4.7%	0.9%	0.9%	0.93%
Equity 3Y	12.6%	12.6%	11.0%	11.0%	11.0%	11.0%	-6.5%	-6.5%	-6.5%	-6.5%	-6.0%	-6.0%	-6.0%	-6.0%	-4.0%	-4.0%	-4.0%	-4.0%	7.8%	7.8%	7.83%
Book Value 3Y	11.4%	11.1%	9.1%	9.6%	13.7%	13.1%	-5.1%	-5.1%	-5.1%	-5.1%	-4.5%	-4.6%	-4.8%	-5.1%	-3.3%	-3.1%	-3.0%	-2.9%	9.2%	1.4%	1.36%
Dividend 3Y	0.6%	0.5%	-0.2%	-0.2%	4.0%	4.2%	2.6%	4.3%	4.6%	3.9%	6.3%	3.6%	3.1%	5.8%	4.3%	5.1%	4.7%	0.9%	0.9%	-6.3%	-6.32%

Growth Quality

Metric	Q2'21	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	Current
Revenue Stability	0.71	0.70	0.64	0.51	0.54	0.58	0.65	0.61	0.64	0.67	0.71	0.72	0.69	0.66	0.69	0.70	0.75	0.80	0.85	0.93	0.933
Earnings Stability	0.12	0.15	0.17	0.15	0.08	0.09	0.05	0.02	0.00	0.17	0.05	0.27	0.26	0.12	0.03	0.36	0.21	0.16	0.22	0.02	0.019
Margin Stability	0.88	0.89	0.89	0.89	0.87	0.88	0.89	0.89	0.85	0.85	0.84	0.84	0.81	0.80	0.79	0.80	0.81	0.83	0.86	0.83	0.829
Rev. Growth Consistency	0.00	0.00	0.00	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	0.00	0.00	0.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.000
FCF Positive Streak	0	0	1	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.90	0.97	0.95	0.95	0.99	0.98	0.97	0.98	0.97	0.96	0.95	0.99	1.00	1.00	0.97	0.96	0.98	0.976
Earnings Smoothness	0.48	0.46	0.36	0.79	0.93	0.87	0.88	0.98	0.95	0.93	0.96	0.92	0.90	0.86	0.98	1.00	0.99	0.92	0.91	0.94	0.939
ROE Trend	0.01	0.01	0.03	0.03	0.02	0.01	0.05	0.04	0.04	0.04	-0.01	-0.01	-0.01	-0.01	-0.01	-0.02	-0.01	-0.01	-0.00	-0.02	-0.019
Gross Margin Trend	0.23	0.23	0.22	0.16	0.10	0.03	-0.05	-0.15	-0.23	-0.26	-0.27	-0.26	-0.22	-0.19	-0.14	-0.10	-0.05	-0.01	0.04	0.06	0.059
FCF Margin Trend	-0.52	-0.32	0.21	0.53	0.57	0.49	0.51	0.33	0.27	0.06	-0.15	-0.31	-0.28	-0.14	-0.31	-0.15	-0.07	-0.08	0.08	-0.10	-0.102
Sustainable Growth Rate	7.7%	8.3%	8.3%	7.3%	6.6%	6.3%	7.7%	7.7%	7.8%	7.8%	7.1%	6.9%	6.8%	5.8%	5.9%	5.8%	5.9%	6.5%	6.6%	4.8%	4.83%
Internal Growth Rate	0.9%	1.0%	0.9%	0.8%	0.7%	0.7%	0.7%	0.7%	0.7%	0.7%	0.6%	0.6%	0.6%	0.5%	0.5%	0.5%	0.5%	0.6%	0.6%	0.5%	0.47%

Cash Flow Quality

Metric	Q2'21	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	Current
OCF/Net Income	-0.56	-0.10	0.98	1.85	2.16	2.40	2.63	2.42	2.19	1.76	1.92	1.55	1.63	2.25	1.22	1.59	1.84	1.44	1.79	1.00	1.001
FCF/OCF	1.24	2.01	0.89	0.93	0.93	0.93	0.93	0.92	0.90	0.89	0.89	0.88	0.89	0.92	0.85	0.87	0.87	0.96	0.96	0.91	0.912
FCF/Net Income	snapshot only																				0.913
OCF/EBITDA	snapshot only																				0.717
CapEx/Revenue	4.5%	3.6%	3.9%	4.4%	4.3%	4.9%	5.2%	4.9%	4.9%	4.4%	4.0%	3.5%	3.1%	3.1%	3.2%	3.7%	4.5%	1.0%	1.4%	1.4%	1.40%
CapEx/Depreciation	snapshot only																				0.707
Accruals Ratio	0.02	0.02	0.00	-0.01	-0.01	-0.02	-0.02	-0.02	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.000
Sloan Accruals	snapshot only																				0.350
Cash Flow Adequacy	snapshot only																				1.593
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	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	Current
Dividend Yield	3.8%	3.4%	3.4%	3.5%	4.5%	4.8%	4.6%	6.0%	6.2%	6.3%	4.8%	4.3%	4.4%	4.1%	4.2%	4.6%	4.3%	3.9%	3.7%	3.0%	3.17%
Dividend/Share	$1.23	$1.25	$1.29	$1.31	$1.33	$1.36	$1.34	$1.44	$1.48	$1.47	$1.54	$1.52	$1.55	$1.70	$1.73	$1.75	$1.77	$1.72	$1.74	$1.41	$1.57
Payout Ratio	34.2%	32.6%	32.4%	35.5%	38.2%	39.8%	37.9%	39.5%	39.8%	39.6%	45.1%	45.6%	46.2%	52.3%	50.8%	51.4%	50.9%	47.9%	46.1%	54.0%	54.03%
FCF Payout Ratio	—	—	37.5%	20.7%	18.9%	17.8%	15.6%	17.8%	20.1%	25.3%	26.4%	33.6%	31.7%	25.4%	48.8%	37.2%	32.0%	34.4%	26.8%	59.2%	59.17%
Total Payout Ratio	54.6%	72.3%	82.7%	82.7%	73.9%	53.1%	42.0%	51.4%	51.5%	51.3%	53.6%	45.6%	51.6%	66.9%	77.8%	88.2%	82.0%	82.1%	66.9%	67.8%	67.83%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0
Chowder Number	0.09	0.09	0.08	0.07	0.09	0.12	0.08	0.15	0.16	0.13	0.19	0.11	0.10	0.19	0.15	0.17	0.16	0.03	0.03	0.02	0.020
Buyback Yield	2.3%	4.2%	5.3%	4.7%	4.2%	1.6%	0.5%	1.8%	1.8%	1.9%	0.9%	0.0%	0.5%	1.1%	2.2%	3.3%	2.6%	2.8%	1.7%	0.8%	0.78%
Net Buyback Yield	2.3%	4.2%	5.3%	4.7%	4.2%	1.6%	0.5%	1.8%	1.8%	1.9%	0.9%	0.0%	0.5%	1.1%	2.2%	3.3%	2.6%	2.8%	1.7%	0.8%	0.78%
Total Shareholder Return	6.1%	7.6%	8.8%	8.2%	8.8%	6.4%	5.1%	7.8%	8.0%	8.1%	5.7%	4.3%	4.9%	5.2%	6.4%	7.8%	7.0%	6.6%	5.4%	3.8%	3.82%

DuPont Factors

Metric	Q2'21	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	Current
Tax Burden (NI/EBT)	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.78	0.78	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.786
Interest Burden (EBT/EBIT)	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
EBIT Margin	0.42	0.43	0.44	0.41	0.38	0.36	0.34	0.32	0.30	0.28	0.24	0.23	0.22	0.21	0.22	0.23	0.23	0.24	0.25	0.20	0.202
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.064
Equity Multiplier	8.44	8.44	9.17	9.17	9.17	9.17	10.59	10.59	10.59	10.59	11.56	11.56	11.56	11.56	11.01	11.01	11.01	11.01	10.33	10.33	10.329

Per Share

Metric	Q2'21	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	Current
EPS (Diluted TTM)	$3.60	$3.84	$3.97	$3.69	$3.49	$3.41	$3.52	$3.64	$3.71	$3.72	$3.42	$3.35	$3.34	$3.24	$3.40	$3.42	$3.47	$3.60	$3.77	$2.62	$2.62
Book Value/Share	$32.18	$32.73	$31.84	$31.90	$31.97	$31.98	$24.96	$25.13	$25.24	$25.22	$27.88	$27.76	$27.74	$27.94	$28.83	$29.06	$29.15	$29.28	$32.46	$26.16	$41.33
Tangible Book/Share	$25.15	$25.57	$23.54	$23.58	$23.63	$23.64	$15.12	$15.22	$15.29	$15.28	$18.02	$17.94	$17.93	$18.06	$18.98	$19.13	$19.19	$19.28	$24.97	$20.12	$20.12
Revenue/Share	$10.99	$11.24	$11.40	$11.32	$11.48	$11.95	$13.05	$14.53	$15.95	$17.12	$17.92	$18.45	$18.81	$19.15	$19.18	$19.05	$19.04	$19.11	$19.23	$16.45	$16.55
FCF/Share	$-2.52	$-0.80	$3.43	$6.34	$7.03	$7.62	$8.58	$8.08	$7.35	$5.81	$5.84	$4.53	$4.88	$6.68	$3.54	$4.72	$5.52	$5.00	$6.48	$2.39	$2.40
OCF/Share	$-2.03	$-0.40	$3.88	$6.83	$7.52	$8.20	$9.26	$8.79	$8.14	$6.56	$6.56	$5.17	$5.46	$7.28	$4.14	$5.43	$6.38	$5.19	$6.75	$2.62	$2.64
Cash/Share	$102.40	$104.14	$107.75	$107.95	$108.17	$108.20	$89.95	$90.56	$90.98	$90.89	$108.94	$108.48	$108.41	$109.20	$86.49	$87.18	$87.44	$87.86	$33.44	$26.95	$4.95
EBITDA/Share	$5.28	$5.58	$5.54	$5.14	$4.87	$4.77	$5.09	$5.29	$5.39	$5.40	$5.02	$4.93	$4.91	$4.79	$5.00	$5.05	$5.15	$5.35	$5.40	$3.65	$3.65
Debt/Share	$22.27	$22.65	$18.13	$18.16	$18.20	$18.21	$26.81	$26.99	$27.11	$27.08	$28.25	$28.14	$28.12	$28.32	$27.84	$28.06	$28.15	$28.28	$21.69	$17.48	$17.48
Net Debt/Share	$-80.14	$-81.50	$-89.62	$-89.78	$-89.97	$-90.00	$-63.15	$-63.57	$-63.87	$-63.81	$-80.69	$-80.35	$-80.29	$-80.88	$-58.65	$-59.12	$-59.30	$-59.58	$-11.75	$-9.47	$-9.47

Academic Models

Metric	Q2'21	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	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.992
Altman Z-Prime	snapshot only																				-0.274
Piotroski F-Score	5	6	6	6	5	6	5	5	6	6	7	6	6	7	5	7	6	6	8	7	7
Beneish M-Score	-2.64	-2.49	-2.38	-2.37	-2.33	-2.32	-2.28	-2.20	-2.22	-2.25	-2.44	-2.48	-2.56	-2.61	-2.29	-2.32	-2.38	-2.37	13.00	9.99	9.988
Ohlson O-Score	snapshot only																				-6.248
Net-Net WC	snapshot only																				$-59.19
EVA	snapshot only																				$786600000.00

Credit

Metric	Q2'21	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	Current
Credit Rating	snapshot only																				A-
Credit Score	66.68	67.95	73.83	86.59	86.26	86.35	83.41	71.68	72.82	72.43	71.85	71.31	71.11	73.15	69.14	69.83	71.11	70.28	74.40	68.19	68.192
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-1.633
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				59
Sector Credit Rank	snapshot only																				58

FITB 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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