$169.67

-3.25 (-1.88%)

Weekly Expected Move ±5.1%

$155 $164 $173 $181 $190

NYSE · Industrials · Rental & Leasing Services · Alpha Radar Sell · Power 34 · $6.0B mcap · 35M float · 0.601% daily turnover · Short 71% 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

52.6 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 4.5% · 5Y Avg: 6.0%

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. GATX shows a Weak competitive edge (52.6/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 4.5% suggests modest returns relative to capital deployed.

Analyst Insights

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

Analyst Price Targets

$218

Low

$220

Avg Target

$222

High

Based on 2 analysts since May 7, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 6Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$220.00

Analysts2

Consensus Change History

Date	Field	From	To
2026-04-10	consensus	Hold	Buy
2026-02-25	consensus	Buy	Hold

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-08	Susquehanna	—	$220	$218	-2	+19.2%	$182.91
2026-05-07	Goldman Sachs	—	$204	$222	+18	+21.3%	$183.02
2026-02-20	Susquehanna	—	$212	$220	+8	+13.7%	$193.46
2026-01-26	Susquehanna	Bascome Majors	$192	$212	+20	+15.2%	$183.99
2026-01-14	Goldman Sachs	—	$185	$204	+19	+16.0%	$175.93
2025-10-22	Susquehanna	—	$190	$192	+2	+17.8%	$163.02
2025-08-18	Susquehanna	Bascome Majors	$160	$190	+30	+21.5%	$156.40
2025-04-24	Susquehanna	Bascome Majors	Initiated	$160	—	+11.0%	$144.15
2024-11-18	Goldman Sachs	Andrzej Tomczyk	Initiated	$185	—	+34.6%	$137.46

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. GATX receives an overall rating of B. Strongest factors: ROE (4/5). Areas of concern: D/E (1/5).

Rating Change History

Date	From	To
2026-04-30	B+	B
2026-04-01	B-	B+
2026-02-24	B	B-
2026-02-20	B-	B
2026-01-20	C+	B-
2026-01-16	B-	C+
2026-01-05	C+	B-
2026-01-03	B	C+

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.

★ ★ ★ ★ ★ 42 Grade C

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. GATX scores highest in Momentum (91/100) and lowest in Safety (15/100). 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 Z-Score

0.80

Distress Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗ ✗

Beneish M-Score

-1.92

Unlikely Manipulator

Ohlson O-Score

-6.31

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

B-

Score: 21.0/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 2.13x

Accruals: -2.5%

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. GATX scores 0.80, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. GATX 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. GATX's score of -1.92 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. GATX'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. GATX receives an estimated rating of B- (score: 21.0/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). GATX'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

17.91x

PEG

0.99x

P/S

3.18x

P/B

2.19x

P/FCF

-1.26x

P/OCF

8.43x

EV/EBITDA

11.99x

EV/Revenue

7.31x

EV/EBIT

21.67x

EV/FCF

-2.89x

Earnings Yield

5.58%

FCF Yield

-79.10%

Shareholder Yield

2.60%

Graham Number

$128.53

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 17.9x earnings, GATX 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 $128.53 per share, 32% 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

0.847

NI / EBT

Interest Burden

0.625

EBT / EBIT

EBIT Margin

0.338

EBIT / Rev

Asset Turnover

0.124

Rev / Assets

Equity Multiplier

5.897

Assets / Equity

ROE

13.1%

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. GATX's ROE of 13.1% is driven by financial leverage (equity multiplier: 5.90x). 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

29.39%

Fair P/E

67.27x

Intrinsic Value

$641.08

Price/Value

0.27x

Margin of Safety

73.37%

Premium

-73.37%

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 GATX's realized 29.4% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $641.08, GATX appears undervalued with a 73% margin of safety. The adjusted fair P/E of 67.3x compares to the current market P/E of 17.9x.

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

$169.74

Median 1Y

$185.08

5th Pctile

$109.24

95th Pctile

$314.18

Ann. Volatility

30.9%

Analyst Target

$220.00

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

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Robert C. Lyons President and Chief Executive Officer	$991,667	$2,281,830	$8,178,380
Thomas A. Ellman Executive Vice President and Chief Financial Officer	$637,583	$721,278	$3,495,329
Paul F. Titterton Executive Vice President and President, Rail North	$625,000	$636,519	$3,205,050
America Brian L. Glassberg Executive Vice President, General Counsel and Secretary	$461,250	$305,795	$1,868,141
Kim Nero Human tive Vice President and Chief Human Resources Officer	$443,533	$265,909	$1,346,793

CEO Pay Ratio

77:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $8,178,380

Avg Employee Cost (SGA/emp): $106,537

Employees: 2,371

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

2,371

+10.3% YoY

Revenue / Employee

$734,036

Rev: $1,740,400,000

Profit / Employee

$140,574

NI: $333,300,000

SGA / Employee

$106,537

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	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	5.7%	5.3%	7.2%	9.2%	9.0%	8.5%	7.7%	7.8%	10.8%	11.9%	12.0%	11.9%	11.0%	12.7%	12.1%	12.2%	13.6%	13.3%	12.8%	13.1%	13.11%
ROA	1.2%	1.1%	1.5%	2.0%	1.9%	1.8%	1.6%	1.6%	2.2%	2.5%	2.4%	2.4%	2.2%	2.6%	2.4%	2.4%	2.7%	2.6%	2.2%	2.2%	2.22%
ROIC	2.9%	2.8%	2.8%	2.9%	3.1%	3.1%	3.0%	3.2%	3.4%	3.6%	3.3%	3.5%	3.7%	3.9%	4.0%	4.2%	4.4%	4.5%	4.2%	4.5%	4.51%
ROCE	4.0%	4.2%	4.3%	5.0%	4.4%	4.2%	4.0%	3.8%	4.7%	5.0%	4.6%	4.7%	4.7%	5.1%	5.0%	5.1%	5.5%	5.4%	4.5%	4.5%	4.52%
Gross Margin	42.0%	43.2%	44.5%	44.0%	44.5%	44.8%	46.7%	45.5%	45.9%	46.1%	46.0%	48.3%	47.2%	48.9%	49.2%	49.1%	49.2%	47.8%	48.2%	45.6%	45.64%
Operating Margin	23.4%	25.5%	22.7%	25.7%	26.2%	27.3%	27.8%	27.4%	27.5%	28.6%	26.5%	30.0%	28.5%	31.3%	29.6%	31.9%	31.9%	29.0%	30.1%	29.7%	29.69%
Net Margin	1.7%	12.8%	19.0%	23.9%	0.8%	9.1%	15.0%	22.8%	18.4%	14.6%	17.9%	19.6%	11.5%	22.0%	18.5%	18.6%	17.5%	18.7%	21.6%	14.6%	14.65%
EBITDA Margin	61.8%	62.6%	63.0%	77.6%	44.6%	56.4%	60.7%	67.7%	66.1%	61.6%	60.2%	66.2%	59.0%	69.8%	63.3%	64.8%	67.1%	61.7%	56.3%	59.6%	59.62%
FCF Margin	-56.5%	-51.2%	-49.5%	-36.3%	-49.5%	-47.7%	-56.7%	-57.4%	-65.6%	-75.1%	-81.1%	-78.1%	-74.5%	-80.2%	-67.6%	-60.1%	-43.8%	-31.2%	-39.3%	-2.5%	-2.53%
OCF Margin	35.4%	38.2%	40.3%	41.9%	41.5%	40.9%	41.9%	40.8%	43.4%	42.6%	36.9%	36.0%	33.3%	33.5%	38.0%	38.6%	39.0%	41.6%	37.2%	38.0%	38.00%
ROE 3Y Avg	snapshot only																				11.82%
ROE 5Y Avg	snapshot only																				10.45%
ROA 3Y Avg	snapshot only																				2.16%
ROIC 3Y Avg	snapshot only																				5.21%
ROIC Economic	snapshot only																				3.07%
Cash ROA	snapshot only																				3.95%
Cash ROIC	snapshot only																				6.84%
CROIC	snapshot only																				-45.61%
NOPAT Margin	snapshot only																				25.04%
Pretax Margin	snapshot only																				21.10%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				14.05%
SBC / Revenue	snapshot only																				0.00%

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	27.25	29.91	24.41	22.78	17.77	17.07	23.21	23.89	20.21	15.55	16.09	18.29	19.58	17.06	19.23	19.16	17.13	19.99	18.22	17.92	17.909
P/S Ratio	2.38	2.41	2.78	3.28	2.52	2.26	2.84	2.90	3.33	2.75	2.96	3.23	3.11	3.03	3.45	3.40	3.28	3.67	3.49	3.20	3.185
P/B Ratio	1.50	1.53	1.73	2.06	1.58	1.42	1.78	1.85	2.17	1.85	1.83	2.06	2.04	2.05	2.24	2.27	2.24	2.56	2.21	2.22	2.193
P/FCF	-4.21	-4.70	-5.61	-9.03	-5.09	-4.74	-5.01	-5.06	-5.07	-3.67	-3.64	-4.13	-4.17	-3.78	-5.10	-5.65	-7.47	-11.76	-8.88	-1.26	-1.264
P/OCF	6.73	6.29	6.89	7.83	6.07	5.53	6.78	7.12	7.66	6.46	8.01	8.95	9.33	9.04	9.08	8.79	8.40	8.81	9.37	8.43	8.431
EV/EBITDA	11.76	11.46	12.02	11.91	11.53	11.35	12.96	13.44	12.81	11.47	12.61	12.86	12.80	12.03	13.15	12.94	12.18	13.02	12.79	11.99	11.992
EV/Revenue	6.80	6.79	7.43	7.89	7.15	6.86	7.76	7.74	8.05	7.34	8.04	8.17	7.90	7.69	8.50	8.32	8.07	8.36	7.98	7.31	7.315
EV/EBIT	23.93	23.05	23.41	21.71	22.24	22.15	25.27	26.81	23.29	20.41	22.34	22.68	22.85	20.78	22.36	21.95	20.17	21.92	21.92	21.67	21.673
EV/FCF	-12.03	-13.25	-15.00	-21.75	-14.44	-14.38	-13.68	-13.48	-12.28	-9.78	-9.91	-10.46	-10.61	-9.58	-12.56	-13.83	-18.40	-26.82	-20.32	-2.89	-2.886
Earnings Yield	3.7%	3.3%	4.1%	4.4%	5.6%	5.9%	4.3%	4.2%	4.9%	6.4%	6.2%	5.5%	5.1%	5.9%	5.2%	5.2%	5.8%	5.0%	5.5%	5.6%	5.58%
FCF Yield	-23.7%	-21.3%	-17.8%	-11.1%	-19.6%	-21.1%	-20.0%	-19.8%	-19.7%	-27.3%	-27.5%	-24.2%	-24.0%	-26.5%	-19.6%	-17.7%	-13.4%	-8.5%	-11.3%	-79.1%	-79.10%
PEG Ratio	snapshot only																				0.991
Price/Tangible Book	snapshot only																				2.323
EV/OCF	snapshot only																				19.248
EV/Gross Profit	snapshot only																				15.377
Acquirers Multiple	snapshot only																				24.282
Shareholder Yield	snapshot only																				2.60%
Graham Number	snapshot only																				$128.53

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	2.54	2.54	2.17	2.17	2.17	2.17	3.08	3.08	3.08	3.08	3.03	3.03	3.03	3.03	3.04	3.04	3.04	3.04	1.27	1.27	1.267
Quick Ratio	2.17	2.17	1.95	1.95	1.95	1.95	2.83	2.83	2.83	2.83	2.73	2.73	2.73	2.73	2.72	2.72	2.72	2.72	1.27	1.27	1.267
Debt/Equity	2.93	2.93	3.07	3.07	3.07	3.07	3.31	3.31	3.31	3.31	3.35	3.35	3.35	3.35	3.45	3.45	3.45	3.45	4.66	4.66	4.656
Net Debt/Equity	2.78	2.78	2.90	2.90	2.90	2.90	3.09	3.09	3.09	3.09	3.16	3.16	3.16	3.16	3.28	3.28	3.28	3.28	2.84	2.84	2.843
Debt/Assets	0.64	0.64	0.65	0.65	0.65	0.65	0.67	0.67	0.67	0.67	0.67	0.67	0.67	0.67	0.68	0.68	0.68	0.68	0.70	0.70	0.700
Debt/EBITDA	8.05	7.79	7.97	7.37	7.90	8.06	8.81	9.00	8.06	7.69	8.48	8.27	8.26	7.75	8.21	8.04	7.60	7.68	11.79	11.03	11.035
Net Debt/EBITDA	7.64	7.40	7.52	6.96	7.46	7.61	8.22	8.40	7.52	7.17	7.97	7.78	7.77	7.29	7.81	7.65	7.23	7.31	7.20	6.74	6.739
Interest Coverage	1.74	1.81	1.96	2.29	2.00	1.90	1.83	1.69	1.96	1.98	1.93	1.85	1.72	1.77	1.77	1.72	1.80	0.85	0.82	1.22	1.217
Equity Multiplier	4.57	4.57	4.73	4.73	4.73	4.73	4.96	4.96	4.96	4.96	4.98	4.98	4.98	4.98	5.04	5.04	5.04	5.04	6.66	6.66	6.655
Cash Ratio	snapshot only																				1.216
Debt Service Coverage	snapshot only																				2.200
Cash to Debt	snapshot only																				0.389
FCF to Debt	snapshot only																				-0.376
Defensive Interval	snapshot only																				5709.9 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	0.14	0.14	0.14	0.14	0.14	0.14	0.13	0.13	0.14	0.14	0.13	0.14	0.14	0.14	0.13	0.14	0.14	0.14	0.11	0.12	0.124
Inventory Turnover	11.54	11.58	12.35	12.33	12.16	12.15	12.48	12.61	12.83	13.13	11.38	11.55	11.83	12.02	11.22	11.47	11.67	11.97	24.93	27.79	27.786
Receivables Turnover	8.43	8.50	8.22	8.29	8.26	8.31	7.81	7.95	8.14	8.38	11.56	11.90	12.26	12.63	19.48	19.99	20.53	20.94	12.09	13.21	13.212
Payables Turnover	5.35	5.37	3.96	3.95	3.89	3.89	3.35	3.39	3.44	3.52	7.55	7.67	7.85	7.98	—	—	—	—	5.62	6.27	6.266
DSO	43	43	44	44	44	44	47	46	45	44	32	31	30	29	19	18	18	17	30	28	27.6 days
DIO	32	32	30	30	30	30	29	29	28	28	32	32	31	30	33	32	31	31	15	13	13.1 days
DPO	68	68	92	92	94	94	109	108	106	104	48	48	46	46	0	0	0	0	65	58	58.3 days
Cash Conversion Cycle	7	7	-18	-19	-20	-20	-33	-33	-33	-32	15	15	14	14	51	50	49	48	-20	-17	-17.5 days
Fixed Asset Turnover	snapshot only																				0.183
Operating Cycle	snapshot only																				40.8 days
Cash Velocity	snapshot only																				0.382
Capital Intensity	snapshot only																				9.622

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	-6.5%	-1.6%	4.0%	4.3%	2.6%	2.4%	1.2%	2.1%	4.9%	7.4%	10.8%	12.1%	12.8%	12.9%	12.4%	12.1%	11.7%	10.7%	9.8%	16.9%	16.92%
Net Income	-42.5%	-47.4%	-5.4%	28.9%	66.7%	68.7%	8.9%	-13.7%	21.6%	43.4%	66.3%	62.6%	8.7%	13.3%	9.6%	12.7%	34.7%	14.3%	17.3%	17.9%	17.92%
EPS	-43.5%	-48.3%	-6.5%	28.5%	66.7%	70.1%	9.6%	-13.2%	22.6%	43.0%	66.3%	62.2%	8.1%	13.0%	9.6%	12.3%	34.7%	14.3%	17.3%	18.9%	18.91%
FCF	17.9%	31.2%	-44.0%	37.6%	10.1%	4.6%	-16.0%	-61.8%	-38.9%	-68.8%	-58.5%	-52.3%	-28.1%	-20.7%	6.3%	13.7%	34.3%	57.0%	36.2%	-3.9%	-3.93%
EBITDA	6.3%	10.0%	18.1%	25.0%	10.0%	4.4%	-1.9%	-11.2%	6.3%	13.7%	18.0%	23.6%	10.8%	12.6%	13.8%	13.5%	19.8%	11.2%	6.0%	11.0%	10.96%
Op. Income	1.2%	5.1%	3.5%	6.2%	6.7%	8.6%	14.6%	14.2%	15.4%	17.4%	14.1%	16.3%	16.7%	18.2%	22.1%	20.7%	22.6%	16.2%	12.8%	16.0%	16.04%
OCF Growth	snapshot only																				15.00%
Asset Growth	snapshot only																				48.86%
Equity Growth	snapshot only																				12.78%
Debt Growth	snapshot only																				52.35%
Shares Change	snapshot only																				-0.83%
Dividend Growth	snapshot only																				6.03%

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	-3.4%	-2.9%	-2.6%	-2.6%	-2.9%	-3.0%	-3.0%	-2.0%	0.2%	2.7%	5.3%	6.1%	6.7%	7.5%	8.0%	8.7%	9.8%	10.3%	11.0%	13.7%	13.67%
Revenue 5Y	-3.3%	-2.9%	-2.4%	-2.0%	-1.9%	-1.7%	-1.6%	-1.1%	-0.6%	0.1%	0.7%	1.1%	1.6%	2.0%	2.6%	3.4%	4.9%	6.2%	7.6%	9.4%	9.37%
EPS 3Y	-39.0%	-40.4%	-10.7%	2.1%	-3.8%	-5.9%	-9.8%	-10.3%	4.9%	7.9%	19.4%	21.9%	30.2%	40.1%	25.9%	16.5%	21.3%	22.7%	28.8%	29.4%	29.39%
EPS 5Y	-11.6%	-16.9%	-9.1%	-3.8%	-3.7%	-0.6%	-19.6%	-20.1%	-14.2%	-12.4%	5.3%	8.4%	3.3%	6.1%	6.0%	5.6%	11.0%	10.2%	17.0%	19.3%	19.31%
Net Income 3Y	-40.3%	-41.7%	-12.2%	1.1%	-4.4%	-6.1%	-9.6%	-10.0%	5.2%	8.3%	19.7%	21.9%	30.1%	39.9%	25.7%	16.5%	21.2%	22.9%	28.8%	29.3%	29.27%
Net Income 5Y	-13.9%	-18.9%	-11.1%	-5.8%	-5.4%	-2.5%	-20.9%	-21.3%	-15.5%	-13.7%	4.2%	7.7%	2.9%	6.1%	6.1%	6.0%	11.3%	10.5%	17.1%	19.2%	19.18%
EBITDA 3Y	1.5%	2.8%	4.6%	9.1%	4.4%	3.5%	2.7%	1.6%	7.5%	9.3%	11.0%	11.1%	9.0%	10.2%	9.6%	7.6%	12.2%	12.5%	12.5%	15.9%	15.86%
EBITDA 5Y	0.3%	-0.3%	1.1%	2.8%	0.9%	2.1%	2.0%	1.1%	4.1%	5.2%	5.8%	7.3%	6.0%	7.3%	7.8%	8.0%	10.6%	10.4%	10.5%	11.5%	11.54%
Gross Profit 3Y	-1.0%	-0.5%	0.2%	0.3%	0.7%	1.2%	2.3%	4.1%	6.1%	8.2%	9.4%	10.2%	10.6%	11.8%	12.5%	12.8%	13.8%	13.8%	13.9%	15.5%	15.48%
Gross Profit 5Y	-3.3%	-2.8%	-1.6%	-0.5%	-0.1%	0.5%	0.9%	2.0%	2.5%	3.4%	3.8%	4.4%	5.2%	6.1%	7.5%	8.7%	10.1%	10.9%	11.3%	12.3%	12.34%
Op. Income 3Y	-1.9%	-1.1%	-1.7%	-1.3%	-0.7%	-0.2%	2.5%	4.7%	7.6%	10.3%	10.6%	12.1%	12.8%	14.7%	16.8%	17.0%	18.2%	17.3%	16.2%	17.7%	17.68%
Op. Income 5Y	-5.1%	-4.4%	-4.2%	-2.1%	-1.4%	-0.9%	0.5%	2.3%	3.1%	4.3%	4.4%	5.0%	5.7%	6.7%	8.5%	10.0%	12.2%	13.0%	13.2%	14.6%	14.59%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	-3.1%	-3.0%	-0.1%	2.3%	3.2%	3.8%	4.9%	5.4%	6.4%	8.2%	6.7%	5.0%	4.5%	2.8%	5.9%	5.8%	7.5%	10.9%	6.7%	11.0%	11.02%
OCF 5Y	-5.6%	-6.2%	-4.1%	-2.4%	-3.0%	0.4%	1.4%	0.2%	3.7%	2.2%	0.5%	1.1%	0.8%	2.1%	5.4%	6.9%	6.4%	9.1%	8.6%	9.9%	9.86%
Assets 3Y	6.4%	6.4%	7.8%	7.8%	7.8%	7.8%	5.9%	5.9%	5.9%	5.9%	8.2%	8.2%	8.2%	8.2%	8.8%	8.8%	8.8%	8.8%	22.0%	22.0%	22.04%
Assets 5Y	5.3%	5.3%	6.1%	6.1%	6.1%	6.1%	6.3%	6.3%	6.3%	6.3%	8.3%	8.3%	8.3%	8.3%	7.7%	7.7%	7.7%	7.7%	15.4%	15.4%	15.42%
Equity 3Y	3.0%	3.0%	4.1%	4.1%	4.1%	4.1%	3.4%	3.4%	3.4%	3.4%	5.1%	5.1%	5.1%	5.1%	6.5%	6.5%	6.5%	6.5%	10.7%	10.7%	10.66%
Book Value 3Y	5.2%	5.3%	5.8%	5.2%	4.8%	4.4%	3.2%	3.0%	3.1%	3.0%	4.9%	5.1%	5.2%	5.2%	6.7%	6.5%	6.6%	6.3%	10.7%	10.8%	10.77%
Dividend 3Y	3.6%	3.8%	3.2%	2.5%	2.1%	1.4%	0.8%	0.5%	0.8%	1.1%	1.5%	2.0%	2.0%	1.9%	1.9%	1.8%	2.0%	1.7%	1.9%	2.1%	2.06%

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	0.89	0.81	0.66	0.64	0.78	0.66	0.47	0.36	0.24	0.01	0.03	0.07	0.12	0.18	0.27	0.41	0.65	0.81	0.91	0.88	0.881
Earnings Stability	0.17	0.22	0.43	0.30	0.34	0.26	0.61	0.49	0.38	0.33	0.01	0.11	0.15	0.26	0.38	0.40	0.69	0.70	0.89	0.90	0.900
Margin Stability	0.96	0.96	0.96	0.95	0.95	0.94	0.94	0.92	0.93	0.93	0.94	0.94	0.93	0.92	0.91	0.91	0.91	0.92	0.93	0.94	0.941
Rev. Growth Consistency	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	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.83	0.81	0.98	0.88	0.50	0.50	0.96	0.95	0.91	0.83	0.50	0.50	0.97	0.95	0.96	0.95	0.86	0.94	0.93	0.93	0.928
Earnings Smoothness	0.46	0.38	0.94	0.75	0.50	0.49	0.91	0.85	0.81	0.64	0.50	0.52	0.92	0.88	0.91	0.88	0.70	0.87	0.84	0.84	0.836
ROE Trend	-0.05	-0.06	-0.03	-0.00	0.01	0.01	0.00	-0.00	0.04	0.05	0.04	0.03	0.01	0.02	0.02	0.02	0.03	0.01	0.01	0.01	0.008
Gross Margin Trend	0.03	0.03	0.03	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.02	0.01	-0.00	-0.000
FCF Margin Trend	0.04	0.01	-0.03	0.24	0.11	0.15	-0.14	-0.09	-0.13	-0.26	-0.28	-0.31	-0.17	-0.19	0.01	0.08	0.26	0.46	0.35	-1.84	-1.843
Sustainable Growth Rate	1.9%	1.4%	3.5%	5.4%	5.2%	4.7%	3.9%	4.0%	6.9%	8.0%	8.3%	8.1%	7.2%	8.8%	8.5%	8.6%	9.9%	9.5%	9.4%	9.6%	9.58%
Internal Growth Rate	0.4%	0.3%	0.8%	1.2%	1.1%	1.0%	0.8%	0.8%	1.4%	1.7%	1.7%	1.7%	1.5%	1.8%	1.7%	1.7%	2.0%	1.9%	1.6%	1.7%	1.65%

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	4.05	4.75	3.54	2.91	2.93	3.08	3.42	3.35	2.64	2.40	2.01	2.04	2.10	1.89	2.12	2.18	2.04	2.27	1.94	2.13	2.125
FCF/OCF	-1.60	-1.34	-1.23	-0.87	-1.19	-1.17	-1.35	-1.41	-1.51	-1.76	-2.20	-2.17	-2.24	-2.39	-1.78	-1.56	-1.12	-0.75	-1.05	-6.67	-6.668
FCF/Net Income	snapshot only																				-14.172
OCF/EBITDA	snapshot only																				0.623
CapEx/Revenue	91.9%	89.5%	89.9%	78.1%	91.1%	88.6%	98.6%	98.2%	1.1%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	98.8%	82.8%	72.8%	76.5%	2.9%	2.91%
CapEx/Depreciation	snapshot only																				10.695
Accruals Ratio	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.03	-0.02	-0.02	-0.02	-0.02	-0.03	-0.03	-0.03	-0.03	-0.02	-0.03	-0.025
Sloan Accruals	snapshot only																				0.007
Cash Flow Adequacy	snapshot only																				0.128
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	2.5%	2.5%	2.1%	1.8%	2.4%	2.6%	2.1%	2.0%	1.8%	2.1%	1.9%	1.7%	1.8%	1.8%	1.6%	1.6%	1.6%	1.4%	1.5%	1.5%	1.46%
Dividend/Share	$2.01	$2.04	$2.06	$2.08	$2.10	$2.13	$2.14	$2.15	$2.19	$2.22	$2.25	$2.28	$2.31	$2.33	$2.37	$2.40	$2.44	$2.47	$2.51	$2.56	$2.49
Payout Ratio	67.3%	73.6%	51.9%	41.1%	42.1%	45.1%	49.1%	49.0%	35.8%	32.9%	31.1%	31.9%	34.9%	30.6%	29.8%	29.9%	27.4%	28.4%	26.9%	26.9%	26.90%
FCF Payout Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Payout Ratio	67.3%	74.0%	61.1%	53.2%	71.3%	80.7%	49.1%	54.7%	53.8%	52.4%	32.1%	34.7%	39.8%	39.5%	37.5%	36.6%	36.8%	34.3%	46.4%	46.6%	46.56%
Div. Increase Streak	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.07	0.07	0.07	0.06	0.07	0.06	0.05	0.05	0.05	0.07	0.07	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.08	0.075
Buyback Yield	0.0%	0.0%	0.4%	0.5%	1.6%	2.1%	0.0%	0.2%	0.9%	1.3%	0.1%	0.2%	0.2%	0.5%	0.4%	0.3%	0.5%	0.3%	1.1%	1.1%	1.10%
Net Buyback Yield	0.0%	0.0%	0.4%	0.5%	1.6%	2.1%	0.0%	0.2%	0.9%	1.3%	0.1%	0.2%	0.2%	0.5%	0.4%	0.3%	0.5%	0.3%	1.1%	1.1%	1.10%
Total Shareholder Return	2.5%	2.5%	2.5%	2.3%	4.0%	4.7%	2.1%	2.3%	2.7%	3.4%	2.0%	1.9%	2.0%	2.3%	2.0%	1.9%	2.1%	1.7%	2.5%	2.6%	2.60%

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)	0.72	0.69	0.73	0.73	0.76	0.75	0.74	0.75	0.76	0.78	0.82	0.82	0.83	0.82	0.89	0.89	0.88	0.89	0.84	0.85	0.847
Interest Burden (EBT/EBIT)	0.43	0.39	0.49	0.54	0.58	0.57	0.54	0.56	0.62	0.63	0.63	0.60	0.56	0.58	0.53	0.52	0.54	0.54	0.63	0.63	0.625
EBIT Margin	0.28	0.29	0.32	0.36	0.32	0.31	0.31	0.29	0.35	0.36	0.36	0.36	0.35	0.37	0.38	0.38	0.40	0.38	0.36	0.34	0.338
Asset Turnover	0.14	0.14	0.14	0.14	0.14	0.14	0.13	0.13	0.14	0.14	0.13	0.14	0.14	0.14	0.13	0.14	0.14	0.14	0.11	0.12	0.124
Equity Multiplier	4.59	4.59	4.65	4.65	4.65	4.65	4.84	4.84	4.84	4.84	4.97	4.97	4.97	4.97	5.01	5.01	5.01	5.01	5.90	5.90	5.897

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)	$2.99	$2.77	$3.98	$5.07	$4.99	$4.72	$4.35	$4.40	$6.11	$6.75	$7.24	$7.13	$6.61	$7.62	$7.94	$8.01	$8.90	$8.71	$9.31	$9.53	$9.53
Book Value/Share	$54.37	$54.37	$56.09	$56.09	$56.09	$56.56	$56.69	$56.69	$56.85	$56.69	$63.49	$63.31	$63.31	$63.31	$68.13	$67.75	$67.94	$67.94	$76.83	$77.04	$102.41
Tangible Book/Share	$50.38	$50.38	$52.67	$52.67	$52.67	$53.11	$53.42	$53.42	$53.57	$53.42	$60.14	$59.97	$59.97	$59.97	$64.94	$64.58	$64.76	$64.76	$73.30	$73.51	$73.51
Revenue/Share	$34.23	$34.48	$34.93	$35.23	$35.11	$35.61	$35.56	$36.18	$37.14	$38.13	$39.41	$40.44	$41.65	$42.92	$44.29	$45.20	$46.55	$47.49	$48.61	$53.29	$53.29
FCF/Share	$-19.35	$-17.67	$-17.30	$-12.78	$-17.39	$-17.00	$-20.18	$-20.78	$-24.36	$-28.61	$-31.97	$-31.58	$-31.03	$-34.43	$-29.95	$-27.18	$-20.40	$-14.81	$-19.09	$-135.05	$-135.05
OCF/Share	$12.11	$13.19	$14.09	$14.75	$14.59	$14.56	$14.90	$14.76	$16.12	$16.23	$14.54	$14.57	$13.87	$14.38	$16.82	$17.46	$18.15	$19.77	$18.10	$20.25	$20.25
Cash/Share	$8.12	$8.12	$9.56	$9.56	$9.56	$9.64	$12.63	$12.63	$12.67	$12.63	$12.59	$12.55	$12.55	$12.55	$11.22	$11.16	$11.19	$11.19	$139.24	$139.63	$20.76
EBITDA/Share	$19.78	$20.44	$21.60	$23.33	$21.77	$21.53	$21.30	$20.84	$23.34	$24.41	$25.13	$25.68	$25.72	$27.42	$28.61	$29.05	$30.82	$30.50	$30.33	$32.51	$32.51
Debt/Share	$159.29	$159.29	$172.04	$172.04	$172.04	$173.48	$187.66	$187.66	$188.19	$187.66	$213.01	$212.42	$212.42	$212.42	$234.80	$233.49	$234.14	$234.14	$357.70	$358.70	$358.70
Net Debt/Share	$151.18	$151.18	$162.47	$162.47	$162.47	$163.84	$175.03	$175.03	$175.52	$175.03	$200.42	$199.87	$199.87	$199.87	$223.58	$222.34	$222.96	$222.96	$218.46	$219.07	$219.07

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 Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.805
Altman Z-Prime	snapshot only																				1.679
Piotroski F-Score	6	6	6	7	7	7	8	7	9	8	7	7	7	7	9	8	9	8	5	5	5
Beneish M-Score	-2.81	-2.83	-2.58	-2.54	-2.54	-2.53	0.50	0.49	0.50	0.52	-2.62	-2.66	-2.64	-2.65	-2.68	-2.66	-2.66	-2.69	-2.03	-1.92	-1.921
Ohlson O-Score	snapshot only																				-6.308
ROIC (Greenblatt)	snapshot only																				5.58%
Net-Net WC	snapshot only																				$-265.49
EVA	snapshot only																				$-580664794.52

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																				B-
Credit Score	28.13	29.12	26.25	28.05	26.36	24.19	27.84	28.07	27.78	28.33	28.30	27.34	28.05	28.59	28.54	28.36	28.41	24.20	17.39	21.04	21.044
Credit Grade	snapshot only																				16
Credit Trend	snapshot only																				-7.319
Implied Spread (bps)	snapshot only																				900.000
Industry Credit Rank	snapshot only																				20
Sector Credit Rank	snapshot only																				5

GATX NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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