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.

★ ★ ★ ★ ★ 25 Grade C

Profitability

64

Balance Sheet

64

Earnings Quality

37

Growth

40

Value

92

Momentum

34

Safety

100

Cash Flow

3

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. FRFFF scores highest in Safety (100/100) and lowest in Cash Flow (3/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

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

Altman-I Score

5.82

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✗ ✗ ✗ ✓ ✓ ✗

Beneish M-Score

8.18

Possible Manipulator

Ohlson O-Score

-7.54

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AA-

Score: 83.6/100

Trend: Improving

Earnings Quality

25/100

OCF/NI: 0.14x

Accruals: 3.6%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. FRFFF scores 5.82, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FRFFF scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. FRFFF's score of 8.18 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. FRFFF's implied 0.1% 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. FRFFF receives an estimated rating of AA- (score: 83.6/100), with a improving 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). FRFFF's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

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

7.34x

PEG

7.56x

P/S

0.97x

P/B

1.22x

P/FCF

11.00x

P/OCF

0.45x

EV/EBITDA

1.05x

EV/Revenue

0.26x

EV/EBIT

1.15x

EV/FCF

327.82x

Earnings Yield

1603.16%

FCF Yield

9.09%

Shareholder Yield

1322.43%

Graham Number

$3303.16

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 7.3x earnings, FRFFF trades at a deep value multiple. An earnings yield of 1603.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $3303.16 per share, suggesting a potential 18475% 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

0.699

NI / EBT

×

Interest Burden

0.888

EBT / EBIT

×

EBIT Margin

0.229

EBIT / Rev

×

Asset Turnover

0.298

Rev / Assets

×

Equity Multiplier

4.086

Assets / Equity

=

ROE

17.3%

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. FRFFF's ROE of 17.3% is driven by financial leverage (equity multiplier: 4.09x). 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

15.00%

Fair P/E

38.50x

Intrinsic Value

$11097.58

Price/Value

0.00x

Margin of Safety

99.84%

Premium

-99.84%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FRFFF's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FRFFF actually compounded EPS at 18.1% 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. At an intrinsic value of $11097.58, FRFFF appears undervalued with a 100% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 7.3x.

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

$17.78

Median 1Y

$18.73

5th Pctile

$12.49

95th Pctile

$28.28

Ann. Volatility

24.6%

25th–75th percentile 5th–95th percentile Median path Historical

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

Revenue / Employee

—

Rev: $30,405,400,000

Profit / Employee

—

NI: $4,855,943,408

SGA / Employee

—

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	23.5%	22.5%	20.9%	12.7%	13.0%	18.4%	20.4%	24.8%	27.7%	22.1%	18.2%	18.7%	17.7%	16.5%	17.2%	18.7%	18.7%	19.0%	18.1%	17.3%	17.29%
ROA	4.3%	4.2%	3.9%	2.3%	2.3%	3.4%	4.4%	5.2%	5.8%	4.8%	4.5%	4.7%	4.5%	4.1%	4.2%	4.6%	4.6%	4.7%	4.4%	4.2%	4.23%
ROIC	81.3%	-3.0%	37.9%	22.6%	16.0%	24.0%	22.4%	24.7%	26.8%	19.8%	18.5%	16.8%	17.8%	14.3%	15.3%	17.2%	19.5%	18.2%	17.3%	32.5%	32.51%
ROCE	6.7%	6.4%	6.0%	4.3%	4.4%	6.0%	7.7%	8.5%	9.4%	7.0%	6.7%	7.2%	6.5%	8.0%	6.5%	6.8%	7.4%	6.9%	7.4%	7.3%	7.26%
Gross Margin	37.8%	49.8%	-81.5%	-17.0%	-7.9%	44.6%	-54.6%	11.0%	21.9%	21.3%	18.5%	20.5%	18.7%	19.6%	1.0%	25.3%	18.7%	22.8%	15.4%	48.4%	48.43%
Operating Margin	11.2%	16.8%	19.5%	5.5%	15.5%	30.6%	28.0%	17.1%	25.2%	22.0%	16.9%	20.7%	18.6%	21.8%	15.6%	24.4%	20.7%	24.3%	16.2%	95.7%	95.67%
Net Margin	7.4%	13.7%	12.7%	-0.8%	10.2%	23.9%	19.8%	13.3%	18.0%	17.2%	12.4%	13.5%	12.8%	15.0%	12.6%	17.9%	15.3%	16.3%	10.8%	13.9%	13.94%
EBITDA Margin	16.5%	23.7%	24.5%	14.6%	20.4%	34.3%	32.9%	22.9%	32.3%	26.6%	21.8%	25.4%	23.4%	26.9%	22.0%	29.0%	25.7%	29.4%	22.3%	23.0%	22.98%
FCF Margin	19.5%	24.6%	18.2%	2.3%	-20.4%	-22.3%	-21.5%	-8.9%	-3.8%	-2.2%	8.8%	10.0%	13.2%	12.4%	8.8%	10.7%	12.6%	2.3%	-1.0%	0.1%	0.08%
OCF Margin	20.7%	26.0%	19.7%	4.1%	-18.5%	-20.4%	-19.5%	-6.8%	-1.8%	-0.2%	10.6%	11.5%	14.7%	13.9%	10.3%	12.1%	14.5%	4.2%	1.1%	2.0%	1.98%
ROE 3Y Avg	snapshot only																				17.53%
ROE 5Y Avg	snapshot only																				17.39%
ROA 3Y Avg	snapshot only																				4.30%
ROIC 3Y Avg	snapshot only																				18.75%
ROIC Economic	snapshot only																				27.98%
Cash ROA	snapshot only																				0.57%
Cash ROIC	snapshot only																				1.82%
CROIC	snapshot only																				0.07%
NOPAT Margin	snapshot only																				35.26%
Pretax Margin	snapshot only																				20.33%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				20.06%
SBC / Revenue	snapshot only																				0.42%

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	0.13	0.13	0.14	0.18	0.13	0.10	0.09	0.07	0.06	0.07	0.09	0.09	0.09	0.06	0.07	0.07	0.06	0.08	0.09	0.06	7.343
P/S Ratio	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.974
P/B Ratio	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.02	0.02	0.01	1.216
P/FCF	0.09	0.07	0.10	0.71	-0.06	-0.06	-0.07	-0.14	-0.30	-0.52	0.15	0.13	0.10	0.07	0.10	0.09	0.08	0.58	-1.38	11.00	10.998
P/OCF	0.08	0.06	0.09	0.41	—	—	—	—	—	—	0.13	0.12	0.09	0.06	0.09	0.08	0.07	0.31	1.28	0.45	0.449
EV/EBITDA	-1.90	-2.94	-1.14	-1.07	0.01	-0.38	-0.18	-0.07	-0.08	0.43	0.23	0.74	0.32	0.86	0.71	0.44	0.04	0.43	0.52	1.05	1.054
EV/Revenue	-0.44	-0.67	-0.27	-0.22	0.00	-0.10	-0.05	-0.02	-0.03	0.12	0.06	0.19	0.08	0.21	0.17	0.11	0.01	0.12	0.14	0.26	0.264
EV/EBIT	-2.20	-3.50	-1.35	-1.37	0.02	-0.43	-0.20	-0.07	-0.09	0.49	0.27	0.84	0.36	0.96	0.80	0.50	0.05	0.48	0.57	1.15	1.153
EV/FCF	-2.23	-2.73	-1.46	-9.19	-0.01	0.43	0.23	0.21	0.69	-5.65	0.69	1.95	0.59	1.68	1.95	1.04	0.09	5.12	-14.22	327.82	327.821
Earnings Yield	7.9%	8.0%	7.3%	5.4%	7.5%	10.2%	11.0%	14.4%	17.0%	15.2%	11.3%	11.5%	10.7%	15.8%	15.0%	14.8%	16.1%	12.0%	11.3%	16.0%	16.03%
FCF Yield	11.5%	14.7%	10.2%	1.4%	-15.6%	-16.3%	-15.0%	-7.2%	-3.3%	-1.9%	6.5%	7.5%	10.1%	14.6%	9.8%	10.9%	13.3%	1.7%	-72.3%	9.1%	9.09%
PEG Ratio	snapshot only																				7.563
Price/Tangible Book	snapshot only																				0.015
EV/OCF	snapshot only																				13.375
EV/Gross Profit	snapshot only																				0.931
Acquirers Multiple	snapshot only																				0.596
Shareholder Yield	snapshot only																				13.22%
Graham Number	snapshot only																				$3303.16

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	3.98	4.38	3.61	3.37	2.96	3.29	1.70	1.71	1.54	—	1.57	0.95	—	1.26	—	—	0.00	—	2.65	2.03	2.032
Quick Ratio	3.98	4.38	3.61	3.37	2.96	3.29	1.70	1.71	1.54	—	1.57	0.95	—	1.26	—	—	0.00	—	2.65	2.03	2.032
Debt/Equity	0.50	0.47	0.49	0.50	0.57	0.56	0.44	0.43	0.40	0.47	0.45	0.48	0.45	0.54	0.51	0.51	0.53	0.56	0.54	0.54	0.544
Net Debt/Equity	-0.72	-1.07	-0.42	-0.33	-0.01	-0.14	-0.07	-0.04	-0.05	0.12	0.05	0.21	0.08	0.24	0.20	0.12	0.00	0.12	0.14	0.31	0.308
Debt/Assets	0.09	0.09	0.09	0.09	0.09	0.10	0.11	0.11	0.10	0.12	0.11	0.12	0.11	0.13	0.12	0.13	0.13	0.14	0.13	0.13	0.131
Debt/EBITDA	1.38	1.33	1.40	1.77	1.95	1.68	1.34	1.23	1.07	1.48	1.57	1.58	1.52	1.85	1.66	1.67	1.73	1.81	1.76	1.80	1.799
Net Debt/EBITDA	-1.97	-3.01	-1.22	-1.15	-0.05	-0.43	-0.23	-0.11	-0.12	0.39	0.18	0.69	0.27	0.82	0.67	0.40	0.01	0.38	0.47	1.02	1.019
Interest Coverage	9.78	9.55	10.55	7.69	7.75	10.76	12.16	13.15	14.35	12.58	10.67	10.98	10.34	9.69	9.36	9.56	9.12	8.99	8.64	8.48	8.481
Equity Multiplier	5.32	5.29	5.45	5.80	6.05	5.52	4.06	3.98	3.91	4.01	4.01	4.05	4.02	4.02	4.11	4.02	4.06	4.07	4.13	4.15	4.151
Cash Ratio	snapshot only																				0.677
Debt Service Coverage	snapshot only																				9.282
Cash to Debt	snapshot only																				0.434
FCF to Debt	snapshot only																				0.002
Defensive Interval	snapshot only																				2499.0 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	0.32	0.32	0.29	0.26	0.23	0.24	0.28	0.29	0.30	0.28	0.29	0.30	0.32	0.31	0.31	0.32	0.30	0.30	0.29	0.30	0.298
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	1.46	3.01	1.29	1.07	1.02	33.40	2.24	2.26	2.35	32.35	35.69	33.08	34.99	33.77	35.75	38.81	36.06	4.73	4.54	4.80	4.804
Payables Turnover	1.52	2.70	2.12	2.13	2.20	5.29	3.01	3.03	2.82	11.57	3.26	3.34	3.61	10.80	2.64	2.71	2.83	9.80	3.42	3.22	3.224
DSO	250	121	282	340	360	11	163	162	155	11	10	11	10	11	10	9	10	77	80	76	76.0 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	240	135	172	171	166	69	121	120	129	32	112	109	101	34	138	135	129	37	107	113	113.2 days
Cash Conversion Cycle	11	-14	110	169	194	-58	41	41	26	-20	-102	-98	-91	-23	-128	-125	-119	40	-26	-37	-37.2 days
Cash Velocity	snapshot only																				5.112
Capital Intensity	snapshot only																				3.442

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	31.0%	28.8%	8.2%	-10.2%	-19.7%	-15.1%	-4.0%	16.1%	28.8%	17.4%	8.8%	6.7%	10.7%	13.1%	18.1%	17.0%	6.6%	6.7%	-1.2%	1.3%	1.29%
Net Income	181.7%	14.6%	39.4%	-36.1%	-41.2%	-10.8%	16.1%	1.3%	1.5%	44.4%	5.8%	-8.4%	-19.5%	-11.6%	3.5%	11.6%	15.7%	23.7%	12.3%	-1.5%	-1.49%
EPS	194.4%	14.6%	39.1%	-25.2%	-29.8%	-2.2%	28.2%	1.1%	1.4%	45.1%	6.3%	-3.8%	-15.8%	39.9%	64.2%	58.3%	76.1%	-8.7%	-17.1%	8.1%	8.14%
FCF	9.3%	22.1%	20.3%	-66.9%	-1.8%	-1.8%	-2.1%	-5.4%	76.2%	88.6%	1.4%	2.2%	4.9%	7.5%	18.3%	26.0%	1.3%	-80.6%	-1.1%	-99.2%	-99.24%
EBITDA	8.2%	3.0%	37.8%	-15.1%	-25.3%	-4.9%	14.8%	65.5%	87.7%	31.8%	1.7%	-1.8%	-13.2%	-3.7%	11.0%	12.3%	13.6%	16.3%	8.8%	0.1%	0.07%
Op. Income	9.1%	17.0%	51.6%	-23.4%	-32.6%	0.6%	22.4%	1.0%	1.2%	33.7%	-1.6%	-5.8%	-16.0%	-4.6%	10.6%	11.1%	12.3%	16.2%	11.8%	1.2%	1.23%
OCF Growth	snapshot only																				-83.52%
Asset Growth	snapshot only																				5.20%
Equity Growth	snapshot only																				1.86%
Debt Growth	snapshot only																				8.00%
Shares Change	snapshot only																				-8.91%
Dividend Growth	snapshot only																				-1.69%

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	14.5%	17.9%	12.5%	5.8%	2.7%	0.5%	6.9%	9.8%	10.7%	8.7%	4.2%	3.6%	4.6%	4.1%	7.3%	13.2%	15.0%	12.3%	8.3%	8.1%	8.14%
Revenue 5Y	20.6%	22.5%	19.9%	16.3%	10.0%	7.7%	7.5%	7.7%	9.2%	10.3%	8.3%	7.9%	9.1%	6.2%	9.5%	10.6%	9.9%	9.2%	5.7%	5.7%	5.69%
EPS 3Y	25.5%	1.1%	90.8%	38.4%	40.4%	19.5%	—	—	—	1.8%	23.7%	15.3%	11.7%	25.7%	30.8%	48.1%	51.8%	22.9%	13.1%	18.1%	18.10%
EPS 5Y	57.0%	—	—	—	69.7%	14.8%	12.2%	18.9%	26.8%	66.2%	56.7%	40.3%	40.6%	28.3%	—	—	—	95.2%	20.8%	21.3%	21.29%
Net Income 3Y	25.2%	1.1%	90.4%	29.8%	32.5%	14.8%	—	—	—	1.7%	19.6%	10.3%	6.2%	4.4%	8.3%	32.8%	33.1%	16.4%	7.1%	0.3%	0.26%
Net Income 5Y	63.1%	—	—	—	63.6%	11.8%	9.5%	16.3%	23.9%	63.4%	53.3%	35.6%	36.5%	14.1%	—	—	—	85.5%	14.7%	8.1%	8.08%
EBITDA 3Y	20.2%	55.3%	54.3%	24.4%	24.5%	18.7%	1.0%	1.2%	1.3%	70.5%	17.2%	11.3%	6.7%	6.5%	9.0%	22.2%	22.8%	13.8%	7.1%	3.3%	3.33%
EBITDA 5Y	44.9%	—	2.7%	—	62.7%	16.1%	12.1%	15.8%	19.5%	36.2%	33.8%	25.6%	25.7%	16.3%	56.6%	65.3%	66.4%	40.9%	14.2%	9.2%	9.18%
Gross Profit 3Y	17.9%	28.2%	-5.9%	-43.7%	—	—	—	-61.1%	-35.2%	-77.1%	-23.6%	-22.2%	-21.8%	-22.7%	30.4%	1.1%	—	—	—	1.7%	1.68%
Gross Profit 5Y	24.6%	30.2%	8.7%	-18.9%	—	—	—	-42.1%	-21.7%	-55.7%	-6.1%	-5.7%	-5.7%	-11.9%	7.2%	9.6%	9.5%	9.2%	-10.1%	-5.1%	-5.10%
Op. Income 3Y	19.4%	72.1%	77.7%	28.5%	34.4%	25.5%	—	—	—	1.9%	22.2%	13.6%	8.1%	8.7%	10.0%	28.6%	28.2%	14.0%	6.8%	32.6%	32.63%
Op. Income 5Y	56.1%	—	—	—	—	16.9%	11.9%	16.9%	20.7%	47.0%	46.5%	32.3%	35.4%	20.4%	—	—	—	93.1%	17.7%	29.4%	29.41%
FCF 3Y	—	—	39.9%	64.3%	—	—	—	—	—	—	1.2%	20.3%	-8.1%	-17.1%	-15.7%	87.8%	—	—	—	—	—
FCF 5Y	—	43.0%	16.4%	-30.4%	—	—	—	—	—	—	6.8%	87.8%	—	28.2%	23.7%	31.1%	52.0%	—	—	-55.9%	-55.90%
OCF 3Y	—	—	37.2%	37.6%	—	—	—	—	—	—	75.7%	19.1%	-6.6%	-15.6%	-13.5%	62.6%	—	—	—	—	—
OCF 5Y	—	39.5%	15.5%	-23.3%	—	—	—	—	—	—	7.7%	55.4%	—	24.1%	19.6%	25.8%	41.0%	—	-8.6%	-19.2%	-19.24%
Assets 3Y	9.5%	10.4%	9.0%	7.8%	8.4%	9.3%	5.5%	5.3%	5.7%	7.5%	6.4%	5.2%	4.6%	3.8%	3.7%	5.4%	6.2%	5.3%	9.8%	9.8%	9.80%
Assets 5Y	13.9%	14.8%	15.1%	14.4%	6.8%	7.5%	4.5%	4.8%	5.6%	7.4%	6.1%	5.8%	6.7%	6.5%	7.4%	8.0%	8.3%	7.8%	7.0%	6.3%	6.31%
Equity 3Y	5.0%	7.7%	6.4%	3.3%	2.2%	5.1%	16.6%	17.4%	18.6%	18.3%	17.1%	14.5%	14.9%	13.7%	14.0%	19.1%	21.2%	16.6%	9.2%	8.3%	8.25%
Book Value 3Y	5.3%	7.2%	6.6%	10.1%	8.3%	9.4%	18.8%	20.8%	25.7%	22.4%	21.1%	19.8%	20.8%	36.8%	37.6%	32.8%	38.3%	23.1%	15.3%	27.5%	27.51%
Dividend 3Y	-0.1%	-0.8%	-2.2%	4.0%	3.4%	1.7%	1.6%	2.7%	5.9%	3.4%	16.2%	17.3%	17.8%	34.8%	18.6%	8.9%	10.7%	1.4%	1.4%	13.5%	13.54%

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	0.94	0.93	0.99	0.84	0.67	0.63	0.89	0.78	0.63	0.74	0.85	0.81	0.66	0.57	0.87	0.95	0.90	0.94	0.84	0.86	0.861
Earnings Stability	0.33	0.38	0.39	0.28	0.30	0.31	0.39	0.37	0.47	0.70	0.87	0.72	0.67	0.58	0.79	0.73	0.64	0.71	0.92	0.55	0.555
Margin Stability	0.93	0.85	0.74	0.52	0.31	0.35	0.30	0.21	0.08	0.00	0.21	0.12	0.00	0.00	0.22	0.16	0.00	0.00	0.19	0.35	0.351
Rev. Growth Consistency	1.00	0.50	1.00	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	0.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	0.00	0.000
FCF Positive Streak	1	0	1	1	0	0	0	0	0	0	0	0	0	0	1	1	1	1	0	1	1
Earnings Persistence	0.20	0.50	0.50	0.50	0.50	0.96	0.94	0.50	0.50	0.82	0.98	0.97	0.92	0.95	0.99	0.95	0.94	0.91	0.95	0.99	0.994
Earnings Smoothness	—	0.00	0.67	0.56	0.48	0.89	0.85	0.22	0.13	0.64	0.94	0.91	0.78	0.88	0.97	0.89	0.85	0.79	0.88	0.99	0.985
ROE Trend	0.18	0.13	0.12	0.03	0.03	0.07	0.01	0.05	0.06	-0.00	-0.02	0.01	-0.02	-0.03	-0.01	-0.02	-0.02	0.01	0.01	-0.01	-0.006
Gross Margin Trend	0.06	0.02	-0.23	-0.39	-0.51	-0.49	-0.38	-0.26	-0.12	-0.21	0.09	0.17	0.19	0.22	0.32	0.29	0.26	0.31	-0.08	-0.02	-0.019
FCF Margin Trend	0.20	0.23	0.15	-0.03	-0.31	-0.34	-0.31	-0.13	-0.03	-0.03	0.10	0.13	0.25	0.25	0.15	0.10	0.08	-0.03	-0.10	-0.10	-0.103
Sustainable Growth Rate	21.3%	20.4%	18.9%	10.8%	11.1%	16.6%	18.8%	23.2%	26.1%	20.6%	16.3%	16.8%	15.9%	14.7%	15.5%	17.1%	17.1%	17.5%	16.7%	16.0%	15.97%
Internal Growth Rate	4.1%	4.0%	3.6%	2.0%	2.0%	3.2%	4.2%	5.1%	5.8%	4.6%	4.2%	4.4%	4.2%	3.8%	4.0%	4.4%	4.4%	4.5%	4.2%	4.1%	4.07%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.54	1.95	1.50	0.45	-1.88	-1.46	-1.23	-0.38	-0.09	-0.01	0.69	0.75	1.05	1.03	0.76	0.83	0.95	0.27	0.07	0.14	0.139
FCF/OCF	0.94	0.95	0.93	0.57	1.10	1.09	1.10	1.31	2.08	14.05	0.84	0.87	0.90	0.90	0.86	0.88	0.87	0.54	-0.92	0.04	0.041
FCF/Net Income	snapshot only																				0.006
OCF/EBITDA	snapshot only																				0.079
CapEx/Revenue	1.2%	1.4%	1.5%	1.7%	1.9%	1.9%	2.0%	2.1%	2.0%	2.0%	1.7%	1.5%	1.5%	1.4%	1.5%	1.4%	1.9%	1.9%	2.0%	1.9%	1.89%
CapEx/Depreciation	snapshot only																				0.876
Accruals Ratio	-0.02	-0.04	-0.02	0.01	0.07	0.08	0.10	0.07	0.06	0.05	0.01	0.01	-0.00	-0.00	0.01	0.01	0.00	0.03	0.04	0.04	0.036
Sloan Accruals	snapshot only																				0.082
Cash Flow Adequacy	snapshot only																				0.662
Earnings Quality Score	snapshot only																				0.250

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	73.8%	74.3%	67.8%	82.1%	1.1%	99.3%	87.0%	94.5%	99.5%	1.0%	1.2%	1.2%	1.1%	1.7%	1.4%	1.2%	1.3%	92.0%	86.1%	1.2%	0.94%
Dividend/Share	$11.26	$11.44	$10.54	$12.39	$12.49	$11.68	$11.51	$11.47	$11.62	$11.74	$16.40	$17.00	$17.08	$26.09	$24.64	$22.47	$23.79	$17.11	$16.13	$22.09	$14.63
Payout Ratio	9.4%	9.3%	9.2%	15.1%	14.8%	9.7%	7.9%	6.6%	5.8%	6.7%	10.6%	10.1%	10.2%	10.7%	9.7%	8.4%	8.1%	7.7%	7.6%	7.7%	7.66%
FCF Payout Ratio	6.4%	5.0%	6.7%	58.1%	—	—	—	—	—	—	18.4%	15.5%	10.8%	11.6%	14.8%	11.5%	9.8%	53.0%	—	13.5%	13.51%
Total Payout Ratio	15.0%	44.3%	46.0%	76.3%	79.7%	21.2%	18.9%	14.3%	12.2%	15.0%	24.7%	41.9%	46.6%	57.9%	63.4%	41.9%	45.8%	56.5%	60.9%	82.5%	82.49%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.73	0.73	0.61	0.75	1.04	0.92	0.86	0.94	0.99	1.02	1.62	1.57	1.50	2.10	1.39	1.18	1.22	0.81	0.75	1.12	1.124
Buyback Yield	44.6%	2.8%	2.7%	3.3%	4.9%	1.2%	1.2%	1.1%	1.1%	1.3%	1.6%	3.6%	3.9%	7.5%	8.0%	4.9%	6.1%	5.9%	6.0%	12.0%	12.00%
Net Buyback Yield	44.6%	2.8%	2.7%	3.3%	4.9%	1.2%	1.2%	1.1%	1.1%	1.3%	1.6%	3.6%	3.9%	7.5%	8.0%	4.9%	6.1%	5.9%	6.0%	12.0%	12.00%
Total Shareholder Return	1.2%	3.5%	3.4%	4.1%	6.0%	2.2%	2.1%	2.1%	2.1%	2.3%	2.8%	4.8%	5.0%	9.2%	9.5%	6.2%	7.4%	6.8%	6.9%	13.2%	13.22%

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)	0.75	0.77	0.74	0.66	0.66	0.69	0.70	0.74	0.75	0.74	0.75	0.72	0.72	0.69	0.70	0.73	0.74	0.73	0.71	0.70	0.699
Interest Burden (EBT/EBIT)	0.90	0.90	0.91	0.87	0.87	0.91	0.92	0.92	0.93	0.92	0.91	0.91	0.90	0.90	0.89	0.90	0.89	0.89	0.88	0.89	0.888
EBIT Margin	0.20	0.19	0.20	0.16	0.17	0.22	0.25	0.26	0.28	0.25	0.23	0.23	0.22	0.22	0.21	0.22	0.23	0.24	0.25	0.23	0.229
Asset Turnover	0.32	0.32	0.29	0.26	0.23	0.24	0.28	0.29	0.30	0.28	0.29	0.30	0.32	0.31	0.31	0.32	0.30	0.30	0.29	0.30	0.298
Equity Multiplier	5.41	5.31	5.40	5.51	5.67	5.41	4.68	4.75	4.77	4.65	4.03	4.02	3.96	4.01	4.06	4.04	4.04	4.04	4.12	4.09	4.086

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)	$120.13	$122.85	$113.91	$82.12	$84.29	$120.15	$145.99	$174.98	$198.93	$174.38	$155.12	$168.35	$167.50	$244.01	$254.67	$266.55	$294.92	$222.76	$211.14	$288.25	$288.25
Book Value/Share	$564.41	$591.86	$581.24	$642.18	$623.41	$660.32	$790.05	$811.47	$853.88	$913.36	$909.76	$949.58	$994.62	$1515.63	$1515.89	$1504.53	$1648.36	$1230.46	$1209.48	$1682.33	$1511.26
Tangible Book/Share	$348.41	$377.72	$366.46	$397.27	$379.35	$435.06	$563.41	$590.42	$636.99	$659.60	$657.61	$691.14	$736.65	$994.33	$1002.21	$1012.61	$1125.68	$843.45	$827.16	$1161.07	$1161.07
Revenue/Share	$894.87	$923.51	$870.29	$907.69	$857.43	$859.11	$922.98	$981.51	$1029.76	$1013.95	$1009.13	$1099.72	$1192.50	$1814.35	$1891.12	$1824.45	$1934.80	$1429.61	$1380.08	$2028.58	$1598.84
FCF/Share	$174.90	$227.10	$158.31	$21.32	$-175.24	$-191.60	$-198.76	$-87.75	$-38.87	$-22.03	$88.96	$109.68	$157.72	$225.76	$166.97	$195.99	$243.10	$32.26	$-13.54	$1.63	$45.46
OCF/Share	$185.40	$239.88	$171.09	$37.16	$-158.78	$-175.01	$-180.28	$-67.04	$-18.68	$-1.57	$106.47	$126.50	$175.56	$251.51	$194.67	$221.47	$280.33	$59.59	$14.69	$40.07	$79.77
Cash/Share	$688.18	$915.46	$529.61	$535.30	$365.76	$463.19	$402.98	$376.13	$379.85	$316.88	$363.09	$258.33	$365.25	$458.56	$457.98	$586.42	$867.32	$543.16	$479.35	$396.85	$302.28
EBITDA/Share	$205.58	$210.84	$202.21	$182.89	$183.10	$219.73	$256.37	$282.02	$320.36	$291.09	$261.94	$290.59	$290.67	$443.41	$461.20	$462.90	$502.65	$380.62	$370.49	$508.53	$508.53
Debt/Share	$282.74	$280.05	$283.23	$324.15	$356.91	$368.97	$344.41	$345.60	$341.27	$429.75	$410.86	$457.84	$442.86	$822.33	$766.49	$771.63	$871.14	$689.66	$653.16	$914.79	$914.79
Net Debt/Share	$-405.43	$-635.41	$-246.38	$-211.15	$-8.85	$-94.22	$-58.57	$-30.53	$-38.58	$112.87	$47.77	$199.52	$77.61	$363.77	$308.52	$185.21	$3.82	$146.50	$173.81	$517.94	$517.94

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-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.816
Altman Z-Prime	snapshot only																				1.687
Piotroski F-Score	8	8	6	4	2	2	5	4	4	4	5	4	5	5	5	6	5	5	3	4	4
Beneish M-Score	-2.51	-2.48	-3.14	-4.13	-4.73	-1.64	-2.01	-3.67	-3.49	-2.35	-4.16	-3.32	-2.23	-2.49	-2.76	-2.33	-2.33	1.18	14.59	8.18	8.181
Ohlson O-Score	snapshot only																				-7.542
ROIC (Greenblatt)	snapshot only																				76.88%
Net-Net WC	snapshot only																				$-3809.00
EVA	snapshot only																				$7726604437.56

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	90.25	90.25	92.75	86.50	80.05	84.50	82.70	82.70	82.70	78.50	88.70	82.55	88.40	83.95	82.00	82.00	76.30	77.50	83.65	83.65	83.650
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				1.650
Implied Spread (bps)	snapshot only																				100.000

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Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

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Analyst Insights

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

Workforce & Productivity

Scaling Efficiency

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