Also trades as: GARFIBRES.NS (NSE) · $vol 1M

₹770.30 ($8.00)

-2.95 (-0.38%)

BSE · Industrials · Manufacturing - Textiles · Tech Score Sell · Power 36 · ₹75.2B mcap · 43M float · 0.038% daily turnover

Overview Chart Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ETF Exposure

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.

Oct 01, 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. GARFIBRES.BO receives an overall rating of C. Strongest factors: DCF (4/5). Areas of concern: ROE (1/5), ROA (1/5), D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-09-03	C-	C
2026-08-13	C	C-
2026-08-10	A-	C
2026-07-22	A	A-
2026-07-01	A-	A
2026-05-25	B+	A-
2026-05-25	A-	B+
2026-05-22	B+	A-
2026-05-21	A-	B+
2026-05-21	C	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.

★ ★ ★ ★ ★ 47 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. GARFIBRES.BO scores highest in Safety (100/100) and lowest in Growth (29/100). 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

9.30

Safe Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✗ ✓ ✓ ✓ ✗ ✗

Beneish M-Score

-2.32

Unlikely Manipulator

Ohlson O-Score

-10.52

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 97.8/100

Trend: Improving

Earnings Quality

50/100

OCF/NI: 0.71x

Accruals: 3.1%

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. GARFIBRES.BO scores 9.30, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. GARFIBRES.BO 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. GARFIBRES.BO's score of -2.32 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. GARFIBRES.BO'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. GARFIBRES.BO receives an estimated rating of AAA (score: 97.8/100), 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). GARFIBRES.BO's score of 50/100 is moderate — some divergence between reported earnings and underlying 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

36.28x

PEG

-3.21x

P/S

4.57x

P/B

5.60x

P/FCF

74.07x

P/OCF

42.25x

EV/EBITDA

18.37x

EV/Revenue

3.68x

EV/EBIT

20.71x

EV/FCF

69.45x

Earnings Yield

3.31%

FCF Yield

1.35%

Shareholder Yield

2.73%

Graham Number

$247.89

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 36.3x earnings, GARFIBRES.BO commands a growth premium. Graham's intrinsic value formula yields $247.89 per share, 211% 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

0.737

NI / EBT

Interest Burden

0.993

EBT / EBIT

EBIT Margin

0.177

EBIT / Rev

Asset Turnover

0.841

Rev / Assets

Equity Multiplier

1.400

Assets / Equity

ROE

15.3%

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. GARFIBRES.BO's ROE of 15.3% is driven by Asset Turnover (0.841), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$170.08

Price/Value

3.55x

Margin of Safety

-255.08%

Premium

255.08%

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 GARFIBRES.BO's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. GARFIBRES.BO trades at a 255% premium to its adjusted intrinsic value of $170.08, 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 36.3x.

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

$768.25

Median 1Y

$0.00

5th Pctile

$0.00

95th Pctile

$0.04

Ann. Volatility

639.0%

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

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	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
ROE	22.3%	20.1%	19.5%	18.5%	18.1%	17.5%	17.4%	17.3%	18.8%	17.8%	18.4%	18.5%	18.8%	20.1%	20.5%	18.7%	19.2%	16.8%	17.5%	15.3%	15.30%
ROA	13.8%	12.6%	12.2%	12.1%	11.8%	11.7%	11.6%	11.8%	12.9%	12.6%	13.0%	12.8%	13.0%	13.9%	14.2%	13.1%	13.5%	11.5%	12.0%	10.9%	10.92%
ROIC	24.5%	17.7%	17.6%	16.9%	16.6%	15.4%	14.8%	13.8%	15.0%	14.7%	15.0%	18.0%	18.4%	18.8%	19.5%	19.3%	19.5%	18.1%	18.3%	18.7%	18.72%
ROCE	27.3%	24.6%	23.9%	22.0%	21.7%	21.2%	20.7%	22.1%	24.2%	22.7%	23.4%	22.4%	23.0%	26.9%	27.6%	25.2%	25.6%	20.8%	20.5%	18.8%	18.80%
Gross Margin	74.4%	69.6%	69.6%	47.7%	67.8%	66.1%	71.9%	46.8%	72.5%	71.7%	71.5%	50.5%	45.9%	72.8%	71.1%	70.4%	71.6%	69.3%	42.6%	45.8%	45.83%
Operating Margin	15.5%	16.2%	16.3%	14.9%	11.6%	15.9%	15.1%	17.0%	16.0%	19.0%	16.2%	22.1%	17.2%	20.1%	16.4%	21.0%	16.5%	11.4%	15.9%	20.4%	20.44%
Net Margin	13.1%	14.5%	12.4%	15.7%	9.3%	13.4%	13.3%	16.1%	13.2%	16.0%	15.0%	18.2%	13.9%	15.7%	13.6%	16.4%	14.5%	9.2%	14.5%	13.4%	13.43%
EBITDA Margin	20.1%	21.6%	19.6%	22.7%	14.9%	19.5%	20.0%	23.6%	20.7%	24.0%	22.4%	27.2%	22.3%	24.0%	21.0%	24.8%	22.0%	16.6%	18.3%	22.6%	22.57%
FCF Margin	12.4%	15.2%	17.7%	14.1%	10.2%	6.6%	3.7%	3.5%	3.5%	3.7%	3.8%	6.2%	8.5%	10.2%	11.8%	11.0%	10.4%	6.7%	6.2%	5.3%	5.29%
OCF Margin	15.2%	17.6%	19.7%	15.9%	11.8%	7.6%	4.2%	3.8%	3.5%	3.7%	3.8%	7.0%	10.1%	12.4%	14.7%	13.8%	13.2%	10.6%	9.9%	9.3%	9.28%
ROE 3Y Avg	snapshot only																				16.73%
ROE 5Y Avg	snapshot only																				16.82%
ROA 3Y Avg	snapshot only																				11.84%
ROIC 3Y Avg	snapshot only																				18.19%
ROIC Economic	snapshot only																				13.43%
Cash ROA	snapshot only																				7.55%
Cash ROIC	snapshot only																				14.46%
CROIC	snapshot only																				8.25%
NOPAT Margin	snapshot only																				12.01%
Pretax Margin	snapshot only																				17.63%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.08%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
P/E Ratio	8.17	8.05	7.96	7.00	7.73	8.48	7.76	6.85	6.75	6.71	6.88	6.47	36.18	36.02	41.00	36.97	38.45	36.23	32.57	30.18	36.280
P/S Ratio	1.27	1.21	1.13	0.98	1.01	1.09	1.01	0.90	0.95	0.99	1.04	1.02	5.74	5.69	6.33	5.56	5.82	4.93	4.51	3.92	4.571
P/B Ratio	1.74	1.54	1.48	1.19	1.28	1.38	1.25	1.16	1.24	1.15	1.22	1.09	6.22	7.23	8.40	6.90	7.37	5.69	5.33	4.42	5.595
P/FCF	10.22	7.96	6.38	6.96	9.81	16.44	27.64	25.57	27.43	27.01	27.32	16.38	67.21	55.79	53.55	50.38	55.86	73.24	73.06	74.07	74.069
P/OCF	8.35	6.87	5.72	6.17	8.53	14.26	23.88	23.68	27.43	27.01	27.32	14.50	56.63	45.75	43.12	40.23	44.20	46.65	45.37	42.25	42.247
EV/EBITDA	4.70	5.15	5.07	4.08	4.52	5.31	4.89	4.88	4.79	4.54	4.66	3.69	23.23	23.52	26.64	23.68	24.90	22.25	20.96	18.37	18.374
EV/Revenue	1.09	1.16	1.08	0.86	0.89	1.03	0.95	0.96	1.01	1.01	1.06	0.88	5.60	5.68	6.32	5.49	5.75	4.74	4.32	3.68	3.675
EV/EBIT	5.18	5.69	5.62	4.53	5.02	5.88	5.43	5.35	5.22	4.95	5.08	4.02	25.31	25.54	28.91	25.73	27.07	24.61	23.37	20.71	20.707
EV/FCF	8.81	7.64	6.12	6.12	8.72	15.54	25.98	27.26	29.13	27.53	27.82	14.10	65.57	55.68	53.46	49.73	55.18	70.46	70.11	69.45	69.449
Earnings Yield	12.2%	12.4%	12.6%	14.3%	12.9%	11.8%	12.9%	14.6%	14.8%	14.9%	14.5%	15.5%	2.8%	2.8%	2.4%	2.7%	2.6%	2.8%	3.1%	3.3%	3.31%
FCF Yield	9.8%	12.6%	15.7%	14.4%	10.2%	6.1%	3.6%	3.9%	3.6%	3.7%	3.7%	6.1%	1.5%	1.8%	1.9%	2.0%	1.8%	1.4%	1.4%	1.4%	1.35%
Price/Tangible Book	snapshot only																				4.682
EV/OCF	snapshot only																				39.612
EV/Gross Profit	snapshot only																				6.500
Acquirers Multiple	snapshot only																				22.550
Shareholder Yield	snapshot only																				2.73%
Graham Number	snapshot only																				$247.89

Leverage & Solvency

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Current Ratio	1.79	1.72	1.72	2.05	2.05	2.11	2.11	1.42	1.42	1.69	1.69	1.92	1.92	1.73	1.73	1.88	1.88	2.41	2.41	2.74	2.738
Quick Ratio	1.38	1.16	1.16	1.49	1.49	1.44	1.44	0.92	0.92	1.00	1.00	1.39	1.39	1.08	1.08	1.28	1.28	1.65	1.65	1.82	1.822
Debt/Equity	0.13	0.18	0.18	0.08	0.08	0.09	0.09	0.13	0.13	0.10	0.10	0.10	0.10	0.13	0.13	0.05	0.05	0.10	0.10	0.03	0.032
Net Debt/Equity	-0.24	-0.06	-0.06	-0.14	-0.14	-0.07	-0.07	0.08	0.08	0.02	0.02	-0.15	-0.15	-0.01	-0.01	-0.09	-0.09	-0.22	-0.22	-0.28	-0.276
Debt/Assets	0.08	0.11	0.11	0.06	0.06	0.07	0.07	0.09	0.09	0.07	0.07	0.07	0.07	0.09	0.09	0.04	0.04	0.07	0.07	0.02	0.023
Debt/EBITDA	0.39	0.62	0.64	0.32	0.33	0.39	0.40	0.52	0.48	0.40	0.39	0.39	0.38	0.42	0.41	0.18	0.18	0.41	0.42	0.14	0.140
Net Debt/EBITDA	-0.75	-0.22	-0.22	-0.56	-0.57	-0.31	-0.31	0.30	0.28	0.09	0.08	-0.59	-0.58	-0.05	-0.05	-0.31	-0.31	-0.88	-0.88	-1.22	-1.222
Interest Coverage	20.94	20.75	18.56	18.62	17.63	17.74	19.18	19.67	18.99	18.08	18.49	16.79	15.57	14.98	14.43	16.40	19.61	20.50	20.96	20.01	20.012
Equity Multiplier	1.63	1.58	1.58	1.46	1.46	1.43	1.43	1.47	1.47	1.41	1.41	1.44	1.44	1.49	1.49	1.41	1.41	1.45	1.45	1.39	1.387
Cash Ratio	snapshot only																				0.957
Debt Service Coverage	snapshot only																				22.552
Cash to Debt	snapshot only																				9.729
FCF to Debt	snapshot only																				1.890
Defensive Interval	snapshot only																				415.5 days

Efficiency & Turnover

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Asset Turnover	0.89	0.84	0.86	0.86	0.91	0.91	0.89	0.90	0.91	0.85	0.86	0.81	0.82	0.88	0.92	0.87	0.89	0.84	0.87	0.84	0.841
Inventory Turnover	2.18	1.87	1.95	2.04	2.21	1.86	1.80	2.25	2.21	1.67	1.68	1.93	2.32	1.90	1.97	2.00	1.70	1.28	1.63	1.99	1.989
Receivables Turnover	4.67	5.34	5.48	4.71	4.96	5.47	5.33	5.31	5.39	5.36	5.42	5.34	5.38	6.17	6.44	5.32	5.42	5.38	5.51	5.15	5.151
Payables Turnover	1.92	2.09	2.18	1.83	1.99	2.43	2.35	2.44	2.40	2.38	2.40	2.16	2.60	2.67	2.76	2.15	1.83	1.83	2.33	2.51	2.505
DSO	78	68	67	77	74	67	68	69	68	68	67	68	68	59	57	69	67	68	66	71	70.9 days
DIO	167	195	187	179	165	196	203	162	165	219	217	189	157	192	186	183	214	286	224	184	183.5 days
DPO	190	175	167	199	184	150	156	150	152	154	152	169	141	137	132	170	200	200	157	146	145.7 days
Cash Conversion Cycle	55	89	86	58	55	113	116	81	80	134	132	88	85	114	110	81	82	154	134	109	108.7 days
Fixed Asset Turnover	snapshot only																				4.421
Operating Cycle	snapshot only																				254.4 days
Cash Velocity	snapshot only																				3.670
Capital Intensity	snapshot only																				1.229

Growth (YoY)

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Revenue	28.7%	25.1%	22.6%	15.0%	11.2%	16.4%	10.5%	10.9%	7.1%	-1.0%	2.7%	1.5%	0.7%	10.0%	13.4%	16.2%	17.6%	4.9%	3.0%	-0.7%	-0.74%
Net Income	34.3%	33.6%	16.5%	4.0%	-6.7%	-0.8%	1.4%	4.5%	16.1%	14.2%	19.2%	21.0%	13.4%	17.7%	16.0%	11.2%	12.2%	-9.6%	-7.7%	-14.3%	-14.27%
EPS	42.5%	39.8%	20.7%	4.0%	-6.7%	-0.7%	1.4%	5.7%	17.5%	15.5%	20.6%	21.0%	-76.9%	-75.9%	-76.3%	-77.2%	13.1%	-9.3%	-7.5%	-14.0%	-13.99%
FCF	70.1%	1.4%	1.9%	58.2%	-8.1%	-49.4%	-77.2%	-72.2%	-63.7%	-45.1%	6.9%	78.4%	1.5%	2.1%	2.5%	1.1%	43.4%	-30.7%	-46.3%	-52.4%	-52.40%
EBITDA	36.5%	24.5%	9.7%	3.9%	-5.3%	-0.2%	0.5%	3.6%	14.2%	13.9%	20.3%	22.3%	15.2%	19.4%	18.4%	13.4%	12.6%	-7.3%	-10.4%	-14.3%	-14.30%
Op. Income	69.6%	44.6%	24.0%	6.1%	-8.4%	0.5%	-2.6%	6.4%	17.1%	13.4%	21.5%	25.2%	17.8%	24.9%	26.8%	18.2%	16.8%	-9.0%	-11.0%	-14.2%	-14.21%
OCF Growth	snapshot only																				-33.37%
Asset Growth	snapshot only																				6.95%
Equity Growth	snapshot only																				9.09%
Debt Growth	snapshot only																				-33.99%
Shares Change	snapshot only																				-0.33%
Dividend Growth	snapshot only																				5.06%

Growth (CAGR)

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Revenue 3Y	8.2%	5.7%	6.3%	5.1%	7.3%	10.5%	9.1%	11.4%	15.3%	13.0%	11.7%	9.0%	6.3%	8.2%	8.8%	9.4%	8.3%	4.5%	6.3%	5.4%	5.40%
Revenue 5Y	13.1%	12.9%	13.5%	14.4%	14.4%	14.6%	11.5%	9.4%	8.6%	6.3%	6.4%	5.5%	5.9%	8.0%	8.6%	10.3%	12.7%	10.7%	10.2%	8.4%	8.37%
EPS 3Y	23.5%	16.7%	13.7%	11.6%	11.3%	9.1%	7.7%	9.6%	16.0%	17.0%	13.9%	10.0%	-36.7%	-34.9%	-33.8%	-33.7%	-32.5%	-36.8%	-35.8%	-38.1%	-38.13%
EPS 5Y	50.6%	49.7%	48.8%	50.3%	41.6%	84.0%	25.8%	18.8%	15.6%	12.7%	12.5%	12.2%	-17.8%	-18.4%	-18.6%	-18.4%	-16.4%	-18.9%	-20.2%	-23.6%	-23.59%
Net Income 3Y	21.0%	14.4%	11.5%	9.5%	9.1%	7.0%	5.6%	7.0%	13.3%	14.8%	12.1%	9.6%	7.1%	10.1%	11.9%	12.0%	13.9%	6.7%	8.5%	4.9%	4.86%
Net Income 5Y	46.4%	45.6%	44.7%	46.1%	39.0%	31.8%	24.4%	17.1%	13.9%	11.1%	10.9%	10.6%	11.3%	10.4%	10.2%	10.5%	13.1%	10.0%	8.6%	4.6%	4.62%
EBITDA 3Y	16.1%	9.8%	7.0%	5.3%	5.4%	7.5%	6.4%	7.1%	13.9%	12.3%	9.9%	9.6%	7.6%	10.7%	12.7%	12.8%	14.0%	8.0%	8.5%	5.9%	5.90%
EBITDA 5Y	33.7%	32.3%	31.0%	31.3%	28.1%	24.8%	19.3%	13.9%	11.1%	8.5%	8.2%	8.1%	9.0%	11.1%	11.4%	11.2%	13.9%	9.4%	7.1%	5.0%	5.05%
Gross Profit 3Y	5.7%	1.8%	2.0%	5.2%	6.8%	9.1%	7.3%	12.4%	17.0%	14.2%	12.7%	11.3%	4.2%	7.6%	8.8%	10.3%	12.9%	8.9%	6.6%	2.1%	2.10%
Gross Profit 5Y	26.9%	29.3%	33.1%	17.7%	14.5%	11.7%	6.5%	9.4%	7.4%	5.2%	5.2%	6.1%	4.3%	6.4%	6.8%	12.1%	16.4%	13.4%	10.3%	6.4%	6.43%
Op. Income 3Y	10.7%	4.4%	3.7%	3.5%	5.0%	9.8%	8.0%	11.2%	22.1%	18.1%	13.7%	12.2%	8.1%	12.5%	14.5%	16.3%	17.2%	8.8%	11.1%	8.3%	8.26%
Op. Income 5Y	36.2%	33.6%	32.3%	32.1%	27.5%	23.4%	16.2%	10.6%	7.8%	5.4%	5.7%	8.1%	9.8%	13.4%	14.2%	15.3%	20.2%	13.4%	10.6%	7.5%	7.45%
FCF 3Y	47.3%	1.1%	1.1%	46.8%	16.0%	-7.7%	-22.5%	-20.2%	-17.2%	-12.6%	-11.2%	-7.7%	-6.1%	-5.3%	-4.9%	0.9%	8.9%	5.2%	26.6%	20.6%	20.60%
FCF 5Y	—	83.9%	58.5%	50.3%	34.4%	13.4%	-6.1%	-4.0%	1.3%	19.5%	16.3%	9.4%	7.0%	5.7%	11.9%	13.4%	15.1%	7.1%	5.8%	-5.0%	-5.03%
OCF 3Y	31.2%	59.0%	61.4%	32.5%	11.0%	-9.1%	-24.8%	-25.7%	-26.4%	-24.2%	-23.0%	-12.6%	-7.1%	-3.6%	-1.4%	4.4%	12.3%	16.6%	41.3%	41.8%	41.75%
OCF 5Y	47.9%	40.7%	38.6%	35.5%	25.2%	8.0%	-9.2%	-10.4%	-9.2%	-0.7%	-1.6%	2.9%	4.9%	6.0%	11.5%	11.9%	12.4%	7.7%	6.8%	0.4%	0.38%
Assets 3Y	10.2%	12.2%	12.2%	9.5%	9.5%	7.8%	7.8%	7.8%	7.8%	6.7%	6.7%	10.3%	10.3%	6.3%	6.3%	7.5%	7.5%	8.2%	8.2%	8.0%	7.96%
Assets 5Y	18.1%	4.0%	4.0%	20.2%	15.1%	17.1%	12.0%	8.7%	8.7%	9.8%	9.8%	10.4%	10.4%	7.2%	7.2%	8.1%	8.1%	7.7%	7.7%	7.3%	7.33%
Equity 3Y	14.8%	18.0%	18.0%	14.3%	14.3%	13.2%	13.2%	11.2%	11.2%	11.8%	11.8%	15.0%	15.0%	8.4%	8.4%	8.6%	8.6%	7.8%	7.8%	10.0%	10.04%
Book Value 3Y	17.0%	20.4%	20.4%	16.6%	16.6%	15.5%	15.5%	13.9%	13.9%	14.0%	13.6%	15.5%	-32.1%	-35.9%	-35.9%	-35.8%	-35.7%	-36.1%	-36.1%	-35.1%	-35.08%
Dividend 3Y	-13.1%	-35.7%	—	-66.9%	-52.3%	-39.9%	—	2.4%	—	—	—	11.9%	—	—	—	-7.4%	-27.5%	-8.6%	-17.4%	7.5%	7.46%

Growth Quality

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Revenue Stability	0.78	0.78	0.83	0.85	0.85	0.91	0.92	0.95	0.85	0.75	0.82	0.86	0.96	0.95	0.97	0.97	0.94	0.91	0.96	0.94	0.936
Earnings Stability	0.94	0.89	0.90	0.89	0.85	0.81	0.81	0.87	0.90	0.89	0.93	0.93	0.90	0.89	0.90	0.93	0.92	0.81	0.87	0.67	0.669
Margin Stability	0.78	0.74	0.70	0.94	0.98	0.94	0.89	0.98	0.96	0.96	0.95	0.98	0.97	0.97	0.96	0.96	0.93	0.94	0.98	0.94	0.939
Rev. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	0.00	0.000
Earn. Growth Consistency	1.00	0.50	0.50	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	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	0.86	0.87	0.93	0.98	0.97	1.00	0.99	0.98	0.94	0.94	0.92	0.92	0.95	0.93	0.94	0.96	0.95	0.96	0.97	0.94	0.943
Earnings Smoothness	0.71	0.71	0.85	0.96	0.93	0.99	0.99	0.96	0.85	0.87	0.82	0.81	0.87	0.84	0.85	0.89	0.89	0.90	0.92	0.85	0.846
ROE Trend	0.03	0.02	-0.00	-0.02	-0.03	-0.01	-0.02	-0.01	-0.01	-0.01	0.00	-0.00	-0.00	0.03	0.04	0.02	0.01	-0.03	-0.03	-0.03	-0.031
Gross Margin Trend	0.00	-0.03	-0.04	0.03	0.01	0.01	0.01	-0.01	0.01	0.03	0.03	0.03	-0.04	-0.03	-0.03	0.02	0.10	0.08	0.01	-0.09	-0.093
FCF Margin Trend	0.04	0.06	0.09	0.04	-0.01	-0.05	-0.09	-0.09	-0.08	-0.07	-0.07	-0.03	0.02	0.05	0.08	0.06	0.04	-0.00	-0.02	-0.03	-0.033
Sustainable Growth Rate	19.0%	18.6%	19.5%	18.4%	17.8%	17.2%	17.1%	17.2%	18.8%	17.8%	18.4%	18.4%	18.5%	19.6%	19.9%	18.2%	18.7%	15.2%	15.9%	12.1%	12.11%
Internal Growth Rate	13.3%	13.2%	13.9%	13.6%	13.1%	13.0%	12.9%	13.3%	14.8%	14.4%	14.9%	14.5%	14.6%	15.7%	15.9%	14.6%	15.1%	11.6%	12.2%	9.5%	9.47%

Cash Flow Quality

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
OCF/Net Income	0.98	1.17	1.39	1.13	0.91	0.60	0.32	0.29	0.25	0.25	0.25	0.45	0.64	0.79	0.95	0.92	0.87	0.78	0.72	0.71	0.714
FCF/OCF	0.82	0.86	0.90	0.89	0.87	0.87	0.86	0.93	1.00	1.00	1.00	0.89	0.84	0.82	0.81	0.80	0.79	0.64	0.62	0.57	0.570
FCF/Net Income	snapshot only																				0.407
OCF/EBITDA	snapshot only																				0.464
CapEx/Revenue	2.8%	2.4%	2.0%	1.8%	1.5%	1.0%	0.6%	0.3%	0.0%	0.0%	0.0%	0.8%	1.6%	2.2%	2.9%	2.8%	2.7%	3.8%	3.8%	4.0%	3.99%
CapEx/Depreciation	snapshot only																				1.769
Accruals Ratio	0.00	-0.02	-0.05	-0.02	0.01	0.05	0.08	0.08	0.10	0.09	0.10	0.07	0.05	0.03	0.01	0.01	0.02	0.03	0.03	0.03	0.031
Sloan Accruals	snapshot only																				0.180
Cash Flow Adequacy	snapshot only																				1.387
Earnings Quality Score	snapshot only																				0.500

Dividends & Buybacks

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Dividend Yield	1.8%	0.9%	0.0%	0.1%	0.2%	0.2%	0.2%	0.1%	0.0%	0.0%	0.0%	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.3%	0.3%	0.7%	1.17%
Dividend/Share	$12.23	$6.11	$0.00	$0.63	$1.25	$1.25	$1.25	$0.63	$0.00	$0.00	$0.00	$0.88	$0.36	$0.54	$0.72	$0.69	$0.66	$1.98	$1.95	$4.16	$9.00
Payout Ratio	14.6%	7.5%	0.0%	0.8%	1.6%	1.5%	1.5%	0.7%	0.0%	0.0%	0.0%	0.9%	1.7%	2.4%	3.1%	3.0%	2.8%	9.6%	9.1%	20.8%	20.81%
FCF Payout Ratio	18.3%	7.4%	0.0%	0.8%	2.0%	3.0%	5.5%	2.8%	0.0%	0.0%	0.0%	2.2%	3.1%	3.7%	4.0%	4.0%	4.0%	19.5%	20.4%	51.1%	51.08%
Total Payout Ratio	40.8%	47.6%	55.2%	42.0%	29.7%	15.0%	1.5%	0.7%	0.0%	0.0%	0.0%	0.9%	1.7%	2.4%	3.1%	29.4%	54.3%	69.7%	95.7%	82.5%	82.53%
Div. Increase Streak	0	0	—	0	0	0	0	0	—	—	—	0	0	0	0	1	1	1	1	1	1
Chowder Number	-0.36	-0.74	—	-0.96	-0.90	-0.79	—	0.00	—	—	—	0.38	—	—	—	2.84	0.84	2.68	1.72	5.05	5.049
Buyback Yield	3.2%	5.0%	6.9%	5.9%	3.6%	1.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.7%	1.3%	1.7%	2.7%	2.0%	2.04%
Net Buyback Yield	3.1%	4.8%	6.7%	5.7%	3.5%	1.5%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.7%	1.3%	1.7%	2.7%	2.0%	2.04%
Total Shareholder Return	4.9%	5.7%	6.7%	5.8%	3.7%	1.7%	0.2%	0.1%	0.0%	0.0%	0.0%	0.1%	0.0%	0.1%	0.1%	0.8%	1.4%	1.9%	2.9%	2.7%	2.73%

DuPont Factors

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.77	0.76	0.76	0.76	0.77	0.77	0.77	0.77	0.77	0.77	0.77	0.76	0.76	0.75	0.75	0.74	0.74	0.74	0.737
Interest Burden (EBT/EBIT)	0.97	0.97	0.96	0.97	0.96	0.96	0.97	0.95	0.95	0.94	0.95	0.94	0.94	0.93	0.93	0.94	0.95	0.95	1.01	0.99	0.993
EBIT Margin	0.21	0.20	0.19	0.19	0.18	0.17	0.17	0.18	0.19	0.20	0.21	0.22	0.22	0.22	0.22	0.21	0.21	0.19	0.19	0.18	0.177
Asset Turnover	0.89	0.84	0.86	0.86	0.91	0.91	0.89	0.90	0.91	0.85	0.86	0.81	0.82	0.88	0.92	0.87	0.89	0.84	0.87	0.84	0.841
Equity Multiplier	1.62	1.60	1.60	1.53	1.53	1.50	1.50	1.46	1.46	1.42	1.42	1.45	1.45	1.45	1.45	1.43	1.43	1.47	1.47	1.40	1.400

Per Share

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
EPS (Diluted TTM)	$83.74	$82.05	$79.59	$79.93	$78.09	$81.44	$80.73	$84.50	$91.74	$94.05	$97.34	$102.21	$21.21	$22.64	$23.11	$23.26	$23.98	$20.53	$21.38	$20.01	$20.01
Book Value/Share	$393.42	$427.92	$427.97	$470.79	$470.68	$502.09	$502.13	$498.77	$498.69	$548.99	$549.02	$605.48	$123.38	$112.74	$112.83	$124.71	$125.11	$130.71	$130.72	$136.49	$137.53
Tangible Book/Share	$391.11	$425.81	$425.86	$468.75	$468.64	$500.23	$500.28	$496.86	$496.78	$547.37	$547.40	$603.61	$123.00	$112.38	$112.47	$124.38	$124.78	$123.72	$123.73	$128.98	$128.98
Revenue/Share	$540.22	$546.65	$561.12	$570.84	$600.47	$636.53	$620.32	$640.66	$650.94	$637.38	$644.68	$650.51	$133.62	$143.37	$149.65	$154.70	$158.32	$150.85	$154.54	$154.07	$166.93
FCF/Share	$66.93	$83.05	$99.19	$80.36	$61.51	$42.04	$22.66	$22.63	$22.58	$23.37	$24.51	$40.39	$11.42	$14.61	$17.70	$17.07	$16.50	$10.16	$9.53	$8.15	$-1.91
OCF/Share	$81.88	$96.23	$110.61	$90.71	$70.78	$48.46	$26.23	$24.44	$22.58	$23.37	$24.51	$45.62	$13.55	$17.82	$21.98	$21.38	$20.85	$15.95	$15.35	$14.29	$0.62
Cash/Share	$143.42	$102.71	$102.72	$105.97	$105.95	$85.23	$85.24	$27.21	$27.21	$44.83	$44.83	$152.29	$31.03	$16.26	$16.27	$17.76	$17.82	$41.42	$41.43	$41.98	$0.00
EBITDA/Share	$125.43	$123.14	$119.74	$120.51	$118.72	$122.95	$120.34	$126.33	$137.22	$141.68	$146.45	$154.48	$32.22	$34.59	$35.51	$35.84	$36.56	$32.16	$31.89	$30.82	$30.82
Debt/Share	$49.38	$76.08	$76.09	$38.60	$38.59	$47.69	$47.69	$65.54	$65.53	$57.00	$57.00	$60.41	$12.31	$14.64	$14.66	$6.52	$6.54	$13.27	$13.27	$4.31	$4.31
Net Debt/Share	$-94.03	$-26.63	$-26.63	$-67.38	$-67.36	$-37.55	$-37.55	$38.32	$38.32	$12.17	$12.17	$-91.88	$-18.72	$-1.62	$-1.62	$-11.24	$-11.28	$-28.15	$-28.16	$-37.66	$-37.66

Academic Models

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	9.302
Altman Z-Prime	snapshot only																				17.176
Piotroski F-Score	7	7	7	9	5	6	7	5	6	5	4	7	5	6	5	6	7	5	5	5	5
Beneish M-Score	-2.92	-2.33	-2.46	-3.03	-2.12	-1.97	-1.83	66.06	66.93	-2.08	-1.87	-2.16	-1.91	-2.06	-2.16	-2.36	-2.20	-2.20	-1.93	-2.32	-2.319
Ohlson O-Score	snapshot only																				-10.519
ROIC (Greenblatt)	snapshot only																				24.62%
Net-Net WC	snapshot only																				$67.25
EVA	snapshot only																				$854821481.16

Credit

Metric	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Q4'26	Current
Credit Rating	snapshot only																				AAA
Credit Score	97.75	91.75	90.50	93.50	96.50	93.50	88.40	89.15	92.15	86.75	86.75	93.50	96.50	95.25	95.25	96.50	96.50	97.75	97.75	97.75	97.750
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				1.250
Implied Spread (bps)	snapshot only																				50.000

GARFIBRES.BO BSE

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

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