$9.07

-0.10 (-1.09%)

Weekly Expected Move ±2.8%

$9 $9 $9 $9 $10

NYSE · Financial Services · Asset Management · Tech Score Strong Sell · Power 36 · $1.0B mcap · 112M float · 0.814% daily turnover · Short 60% 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

47.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 4.4% · 5Y Avg: 3.8%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. GSBD shows a Weak competitive edge (47.0/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 4.4% 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

$10

Low

$10

Avg Target

$10

High

Based on 1 analyst since Aug 6, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 6Sell: 3Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$9.25

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-10	Truist Financial	—	$9	$10	+1	+3.8%	$9.63
2026-07-09	Goldman Sachs	—	$9	$8	-0	-4.8%	$8.93
2026-05-19	Truist Financial	—	Initiated	$9	—	+2.5%	$8.78
2026-03-09	Goldman Sachs	—	$10	$9	-2	-1.6%	$9.15
2025-12-15	Goldman Sachs	—	$10	$10	+1	+5.6%	$9.94
2025-11-21	Goldman Sachs	—	Initiated	$10	—	+3.1%	$9.46
2024-08-12	Wells Fargo	Finian O'Shea	$14	$12	-2	-12.4%	$13.70
2024-05-29	Wells Fargo	Finian O'Shea	$17	$14	-3	-7.8%	$15.18
2022-08-08	Wells Fargo	—	$18	$17	-2	-3.5%	$17.61
2022-04-25	Wells Fargo	—	Initiated	$18	—	-4.2%	$19.30

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.

B+

Oct 02, 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. GSBD receives an overall rating of B+. Strongest factors: DCF (4/5), ROA (5/5). Areas of concern: D/E (1/5), P/E (2/5).

Rating Change History

Date	From	To
2026-10-01	B	B+
2026-07-30	B+	B
2026-07-10	A-	B+
2026-07-01	B	A-
2026-05-26	B-	B
2026-05-22	B	B-
2026-05-20	B-	B
2026-05-18	B	B-
2026-05-11	B+	B
2026-04-24	A-	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 37 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. GSBD scores highest in Earnings Quality (87/100) and lowest in Safety (15/100). 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

0.36

Distress Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-2.37

Unlikely Manipulator

Ohlson O-Score

-6.51

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

B-

Score: 21.4/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.05x

Accruals: -0.1%

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. GSBD scores 0.36, 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. GSBD scores 6/9, 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. GSBD's score of -2.37 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. GSBD'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. GSBD receives an estimated rating of B- (score: 21.4/100), 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). GSBD'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

17.78x

PEG

-0.30x

P/S

3.16x

P/B

0.75x

P/FCF

17.30x

P/OCF

17.30x

EV/EBITDA

14.64x

EV/Revenue

8.89x

EV/EBIT

19.00x

EV/FCF

46.52x

Earnings Yield

5.48%

FCF Yield

5.78%

Shareholder Yield

25.76%

Graham Number

$11.87

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 17.8x earnings, GSBD trades at a reasonable valuation. An earnings yield of 5.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $11.87 per share, suggesting a potential 31% 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

0.941

NI / EBT

Interest Burden

0.411

EBT / EBIT

EBIT Margin

0.468

EBIT / Rev

Asset Turnover

0.096

Rev / Assets

Equity Multiplier

2.333

Assets / Equity

ROE

4.1%

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. GSBD's ROE of 4.1% is driven by a balanced combination of operating margin, asset efficiency, and leverage. A tax burden ratio of 0.94 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

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

$4.42

Price/Value

2.15x

Margin of Safety

-114.70%

Premium

114.70%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with GSBD's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. GSBD trades at a 115% premium to its adjusted intrinsic value of $4.42, 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 17.8x.

Profitability Trends

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

Leverage & Solvency Trends

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

Efficiency & Working Capital Trends

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

Growth Trends (YoY %)

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

Earnings Stability

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

Monte Carlo Price Simulation

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

Current Price

$9.07

Median 1Y

$8.56

5th Pctile

$4.99

95th Pctile

$14.68

Ann. Volatility

33.8%

Analyst Target

$9.25

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

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: $242,452,000

Profit / Employee

—

NI: $119,267,000

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	29.0%	11.9%	10.6%	8.4%	5.7%	3.5%	2.7%	5.6%	9.5%	12.6%	13.1%	5.7%	4.8%	4.0%	3.3%	9.4%	8.8%	8.0%	5.1%	4.1%	4.07%
ROA	13.3%	5.6%	5.0%	3.9%	2.6%	1.5%	1.2%	2.5%	4.1%	5.5%	5.9%	2.5%	2.1%	1.8%	1.5%	4.1%	3.8%	3.4%	2.2%	1.7%	1.75%
ROIC	10.6%	5.6%	5.0%	3.8%	2.5%	1.6%	1.2%	2.6%	4.4%	5.8%	6.2%	2.6%	2.2%	1.8%	1.3%	4.2%	3.9%	4.2%	4.0%	4.4%	4.43%
ROCE	10.0%	5.6%	5.0%	3.8%	2.5%	1.7%	1.3%	2.7%	4.4%	5.8%	6.2%	2.7%	2.3%	1.9%	2.5%	5.4%	5.0%	5.5%	4.2%	4.7%	4.70%
Gross Margin	72.8%	69.3%	69.6%	51.9%	-27.5%	23.9%	51.9%	71.2%	66.3%	65.9%	62.5%	2.3%	58.6%	60.3%	70.8%	61.6%	49.7%	85.6%	73.6%	92.2%	92.21%
Operating Margin	72.2%	80.4%	80.0%	57.7%	-39.4%	17.4%	51.6%	69.1%	63.5%	63.4%	59.2%	2.5%	54.9%	56.1%	23.3%	58.4%	46.0%	64.9%	19.6%	51.2%	51.17%
Net Margin	71.5%	79.6%	77.9%	55.6%	-43.5%	10.9%	49.5%	68.0%	61.7%	61.4%	57.7%	2.5%	52.5%	53.8%	32.5%	57.0%	44.3%	28.5%	-17.4%	22.5%	22.54%
EBITDA Margin	72.2%	80.4%	80.0%	57.7%	-39.4%	17.4%	51.6%	69.1%	63.5%	63.4%	59.2%	2.5%	54.9%	56.1%	70.5%	58.4%	46.0%	1.2%	22.2%	52.0%	51.97%
FCF Margin	1.2%	65.3%	65.6%	63.2%	90.7%	1.2%	96.7%	46.4%	43.6%	30.8%	38.6%	86.7%	84.4%	1.0%	99.2%	56.4%	54.4%	17.1%	5.3%	19.1%	19.12%
OCF Margin	1.2%	65.3%	65.6%	63.2%	90.7%	1.2%	1.3%	89.8%	76.3%	58.6%	51.6%	86.7%	84.4%	1.0%	99.2%	56.4%	54.4%	17.1%	5.3%	19.1%	19.12%
ROE 3Y Avg	snapshot only																				6.53%
ROE 5Y Avg	snapshot only																				6.76%
ROA 3Y Avg	snapshot only																				2.84%
ROIC 3Y Avg	snapshot only																				3.78%
ROIC Economic	snapshot only																				4.37%
Cash ROA	snapshot only																				1.88%
Cash ROIC	snapshot only																				1.95%
CROIC	snapshot only																				1.95%
NOPAT Margin	snapshot only																				43.43%
Pretax Margin	snapshot only																				19.25%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				1.76%
SBC / Revenue	snapshot only																				0.00%

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	3.39	6.14	7.20	8.03	10.73	17.33	23.23	12.16	7.96	6.28	6.19	15.46	17.80	19.21	23.79	8.60	8.71	8.99	13.49	18.25	17.784
P/S Ratio	3.29	5.15	5.75	5.82	6.40	7.01	7.06	5.36	4.38	3.85	3.87	6.41	6.59	6.28	5.73	4.09	3.98	3.52	3.49	3.31	3.165
P/B Ratio	0.68	0.73	0.77	0.69	0.63	0.63	0.63	0.68	0.74	0.77	0.80	0.88	0.85	0.77	0.80	0.83	0.80	0.75	0.73	0.79	0.752
P/FCF	2.66	7.89	8.78	9.21	7.06	5.64	7.30	11.53	10.06	12.49	10.02	7.40	7.80	6.01	5.78	7.25	7.31	20.58	65.31	17.30	17.304
P/OCF	2.66	7.89	8.78	9.21	7.06	5.64	5.50	5.96	5.75	6.57	7.50	7.40	7.80	6.01	5.78	7.25	7.31	20.58	65.31	17.30	17.304
EV/EBITDA	7.81	15.50	17.62	22.15	32.55	49.02	60.49	31.64	19.28	14.92	14.28	34.24	39.03	44.99	32.46	15.78	16.65	12.51	15.75	14.64	14.643
EV/Revenue	7.63	13.13	14.27	16.36	20.03	21.50	20.43	14.72	11.04	9.41	9.16	15.05	15.50	15.98	14.01	9.61	9.91	9.54	9.98	8.89	8.894
EV/EBIT	7.81	15.50	17.62	22.15	32.55	49.02	60.49	31.64	19.28	14.92	14.28	34.24	39.03	44.99	35.15	16.41	17.37	16.11	20.93	19.00	19.000
EV/FCF	6.16	20.11	21.77	25.91	22.10	17.30	21.14	31.70	25.34	30.51	23.72	17.36	18.37	15.29	14.13	17.05	18.22	55.80	186.80	46.52	46.523
Earnings Yield	29.5%	16.3%	13.9%	12.5%	9.3%	5.8%	4.3%	8.2%	12.6%	15.9%	16.2%	6.5%	5.6%	5.2%	4.2%	11.6%	11.5%	11.1%	7.4%	5.5%	5.48%
FCF Yield	37.6%	12.7%	11.4%	10.9%	14.2%	17.7%	13.7%	8.7%	9.9%	8.0%	10.0%	13.5%	12.8%	16.7%	17.3%	13.8%	13.7%	4.9%	1.5%	5.8%	5.78%
Price/Tangible Book	snapshot only																				0.786
EV/OCF	snapshot only																				46.523
EV/Gross Profit	snapshot only																				11.313
Acquirers Multiple	snapshot only																				19.279
Shareholder Yield	snapshot only																				25.76%
Graham Number	snapshot only																				$11.87

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	3.46	0.94	0.95	1.13	1.45	1.20	1.41	1.20	1.94	1.45	1.53	1.06	1.41	1.21	1.72	1.81	1.80	0.95	1.02	1.04	1.039
Quick Ratio	3.46	0.94	0.95	1.13	1.45	1.20	1.41	1.20	1.94	1.45	1.53	1.06	1.41	1.21	1.72	1.81	1.80	0.95	1.02	1.04	1.039
Debt/Equity	1.00	1.15	1.16	1.27	1.36	1.34	1.22	1.22	1.17	1.14	1.12	1.22	1.19	1.23	1.21	1.19	1.27	1.32	1.39	1.36	1.365
Net Debt/Equity	0.90	1.13	1.14	1.25	1.34	1.31	1.19	1.20	1.13	1.11	1.09	1.18	1.15	1.19	1.16	1.12	1.19	1.29	1.36	1.33	1.327
Debt/Assets	0.49	0.52	0.53	0.55	0.57	0.56	0.54	0.54	0.53	0.52	0.52	0.54	0.53	0.54	0.53	0.53	0.54	0.56	0.57	0.56	0.563
Debt/EBITDA	4.96	9.59	10.70	14.59	22.50	33.72	40.58	20.58	12.12	9.07	8.49	20.29	23.09	28.23	20.08	9.65	10.63	8.08	10.47	9.46	9.456
Net Debt/EBITDA	4.44	9.42	10.52	14.27	22.15	33.05	39.59	20.13	11.63	8.81	8.25	19.65	22.44	27.32	19.19	9.07	9.97	7.89	10.24	9.20	9.197
Interest Coverage	5.75	3.29	2.92	2.26	1.35	0.75	0.52	0.93	1.42	1.81	1.93	0.85	0.71	0.60	0.75	1.61	1.50	1.62	1.21	1.29	1.291
Equity Multiplier	2.05	2.20	2.20	2.32	2.40	2.39	2.28	2.28	2.22	2.20	2.17	2.27	2.24	2.29	2.26	2.25	2.33	2.38	2.44	2.42	2.422
Cash Ratio	snapshot only																				0.706
Debt Service Coverage	snapshot only																				1.675
Cash to Debt	snapshot only																				0.027
FCF to Debt	snapshot only																				0.033
Defensive Interval	snapshot only																				259.6 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	0.14	0.07	0.06	0.05	0.04	0.04	0.04	0.06	0.07	0.09	0.09	0.06	0.06	0.05	0.06	0.09	0.08	0.09	0.08	0.10	0.096
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	20.93	9.65	9.12	8.54	4.56	4.94	5.52	7.52	7.20	9.08	9.83	6.60	6.44	5.78	6.98	11.14	10.00	11.08	11.76	14.35	14.349
Payables Turnover	1.42	1.01	1.06	0.87	1.26	1.32	1.65	1.69	2.01	1.82	1.96	1.66	1.96	1.66	1.89	1.53	1.79	1.40	1.64	1.93	1.933
DSO	17	38	40	43	80	74	66	49	51	40	37	55	57	63	52	33	36	33	31	25	25.4 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	257	361	345	417	289	276	221	216	182	200	187	220	186	219	193	238	204	261	223	189	188.8 days
Cash Conversion Cycle	-239	-323	-305	-375	-209	-203	-155	-167	-131	-160	-149	-165	-129	-156	-141	-205	-168	-228	-192	-163	-163.4 days
Cash Velocity	snapshot only																				6.369
Capital Intensity	snapshot only																				10.191

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	5.7%	22.8%	-29.6%	-42.1%	-54.9%	-40.6%	-34.4%	9.0%	78.8%	1.3%	1.4%	6.7%	-24.3%	-39.7%	-35.8%	40.5%	42.2%	58.4%	32.7%	5.3%	5.31%
Net Income	25.3%	9.3%	-42.7%	-57.6%	-72.3%	-71.4%	-75.1%	-33.8%	65.0%	2.6%	3.9%	0.5%	-49.1%	-67.9%	-75.3%	60.9%	75.4%	89.7%	42.6%	-59.8%	-59.80%
EPS	9.5%	-42.0%	-42.9%	-57.8%	-72.5%	-71.7%	-75.7%	-38.3%	54.2%	2.3%	3.7%	-3.8%	-52.3%	-69.3%	-76.8%	57.0%	79.3%	88.2%	48.5%	-58.1%	-58.15%
FCF	26.5%	-46.0%	-62.2%	-72.1%	-67.0%	13.1%	-3.3%	-19.8%	-14.1%	-41.8%	-4.9%	99.2%	46.8%	1.0%	64.8%	-8.6%	-8.4%	-74.1%	-92.8%	-64.3%	-64.28%
EBITDA	22.5%	9.3%	-42.2%	-57.0%	-71.6%	-69.2%	-72.7%	-31.3%	66.3%	2.4%	3.5%	0.8%	-47.5%	-66.1%	-56.8%	94.8%	1.1%	2.4%	94.8%	5.0%	5.02%
Op. Income	22.5%	9.3%	-42.2%	-57.0%	-71.6%	-69.2%	-72.7%	-31.3%	66.3%	2.4%	3.5%	0.8%	-47.5%	-66.1%	-78.0%	47.0%	56.8%	1.1%	1.9%	5.7%	5.69%
OCF Growth	snapshot only																				-64.28%
Asset Growth	snapshot only																				-3.59%
Equity Growth	snapshot only																				-10.29%
Debt Growth	snapshot only																				2.90%
Shares Change	snapshot only																				-3.96%
Dividend Growth	snapshot only																				12.27%

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	50.2%	37.4%	42.5%	34.9%	29.6%	19.6%	1.2%	90.3%	75.2%	19.6%	3.2%	-12.3%	-15.1%	-5.6%	0.1%	17.8%	24.4%	30.8%	26.6%	16.5%	16.47%
Revenue 5Y	43.0%	29.8%	24.2%	21.1%	17.3%	12.4%	11.7%	16.3%	22.3%	29.3%	35.2%	23.4%	24.1%	19.3%	73.8%	59.5%	42.1%	10.3%	-1.3%	-0.1%	-0.06%
EPS 3Y	24.2%	12.3%	22.0%	14.1%	11.0%	-15.8%	—	—	64.4%	-18.2%	-13.6%	-36.9%	-41.3%	-33.8%	-36.0%	-2.3%	9.7%	24.5%	17.1%	-14.2%	-14.16%
EPS 5Y	26.3%	11.1%	4.3%	1.3%	-3.8%	-16.0%	-21.0%	-13.0%	-4.0%	6.0%	15.5%	-2.5%	0.1%	-9.4%	—	—	30.6%	-20.6%	-26.0%	-30.3%	-30.28%
Net Income 3Y	69.3%	53.0%	66.3%	55.5%	51.5%	15.0%	—	—	1.3%	3.6%	-11.2%	-34.4%	-38.5%	-31.1%	-32.9%	2.3%	13.8%	29.4%	20.0%	-13.4%	-13.35%
Net Income 5Y	55.2%	36.5%	28.1%	23.4%	16.1%	2.1%	-4.3%	6.3%	17.3%	29.5%	41.2%	20.1%	23.9%	11.7%	—	—	60.8%	-7.5%	-24.4%	-28.8%	-28.84%
EBITDA 3Y	67.9%	51.3%	64.4%	53.7%	49.5%	16.5%	—	—	1.2%	4.3%	-10.6%	-33.3%	-37.1%	-29.4%	-18.9%	10.5%	23.0%	57.3%	56.1%	27.3%	27.29%
EBITDA 5Y	54.5%	36.0%	27.9%	23.2%	16.0%	3.2%	-2.9%	6.9%	17.5%	29.2%	40.6%	20.3%	23.9%	12.6%	—	—	65.5%	5.5%	-9.7%	-9.5%	-9.46%
Gross Profit 3Y	54.7%	39.9%	50.8%	42.1%	34.7%	9.4%	—	—	1.2%	12.4%	-4.7%	-27.2%	-31.1%	-22.7%	-13.3%	15.6%	29.9%	54.8%	58.4%	35.7%	35.68%
Gross Profit 5Y	45.0%	29.4%	22.7%	18.7%	11.1%	0.2%	-3.7%	6.5%	16.5%	27.3%	37.7%	19.0%	21.9%	12.7%	—	—	64.6%	7.5%	-5.2%	-1.4%	-1.40%
Op. Income 3Y	67.9%	51.3%	64.4%	53.7%	49.5%	16.5%	—	—	1.2%	4.3%	-10.6%	-33.3%	-37.1%	-29.4%	-35.2%	0.6%	11.1%	33.6%	41.5%	16.1%	16.14%
Op. Income 5Y	54.5%	36.0%	27.9%	23.2%	16.0%	3.2%	-2.9%	6.9%	17.5%	29.2%	40.6%	20.3%	23.9%	12.6%	—	—	55.7%	-4.3%	-14.8%	-14.3%	-14.31%
FCF 3Y	—	—	—	—	—	—	—	-2.0%	—	-29.2%	-29.7%	-23.7%	-25.3%	10.4%	14.9%	13.4%	4.9%	-32.5%	-51.8%	-13.4%	-13.36%
FCF 5Y	55.6%	—	—	11.8%	63.8%	—	—	—	—	—	—	—	—	—	—	11.4%	—	-28.4%	-47.2%	-32.0%	-32.02%
OCF 3Y	—	—	—	—	—	—	—	22.1%	—	-12.3%	-22.5%	-23.7%	-25.3%	10.4%	14.9%	13.4%	4.9%	-32.5%	-56.1%	-30.5%	-30.46%
OCF 5Y	55.6%	—	—	11.8%	63.8%	—	—	—	—	—	—	—	—	—	—	11.4%	—	-28.4%	-47.2%	-32.0%	-32.02%
Assets 3Y	35.2%	36.5%	35.4%	32.9%	36.6%	34.5%	33.0%	32.9%	31.4%	2.1%	2.6%	3.1%	2.2%	0.5%	-0.4%	-2.5%	-3.0%	-2.0%	-2.5%	-3.3%	-3.31%
Assets 5Y	23.1%	24.4%	24.3%	25.8%	25.2%	22.6%	22.9%	23.6%	21.5%	20.3%	20.0%	18.3%	19.5%	19.6%	18.0%	17.1%	16.6%	0.4%	0.3%	-0.1%	-0.13%
Equity 3Y	30.5%	31.5%	32.3%	31.7%	31.1%	30.5%	38.5%	37.7%	36.7%	-0.3%	0.1%	-0.7%	-0.7%	-0.9%	-1.3%	-1.5%	-2.0%	-1.8%	-4.7%	-5.3%	-5.27%
Book Value 3Y	-4.2%	-3.5%	-2.9%	-3.3%	-3.9%	-4.5%	0.9%	-1.2%	-1.9%	-21.3%	-2.5%	-4.6%	-5.2%	-4.8%	-5.8%	-6.0%	-5.5%	-5.5%	-7.0%	-6.1%	-6.14%
Dividend 3Y	10.4%	-19.4%	-25.2%	-29.8%	-33.7%	-28.5%	-28.2%	-28.1%	-27.0%	-19.5%	-0.2%	-2.4%	-3.2%	-2.8%	-3.1%	-0.9%	0.9%	1.7%	0.3%	1.6%	1.59%

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	0.38	0.77	0.39	0.35	0.30	0.43	0.20	0.27	0.33	0.57	0.35	0.18	0.19	0.37	0.58	0.93	0.82	0.29	0.00	0.01	0.013
Earnings Stability	0.35	0.69	0.33	0.27	0.21	0.20	0.09	0.12	0.18	0.29	0.17	0.03	0.04	0.00	0.00	0.00	0.00	0.20	0.47	0.53	0.530
Margin Stability	0.64	0.86	0.00	0.18	0.64	0.75	0.00	0.15	0.66	0.78	0.72	0.76	0.74	0.74	0.00	0.11	0.73	0.71	0.68	0.75	0.748
Rev. Growth Consistency	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.000
Earn. Growth Consistency	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	1.00	0.50	0.50	0.50	0.00	0.000
FCF Positive Streak	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.96	0.50	0.50	0.50	0.50	0.50	0.86	0.50	0.50	0.50	1.00	0.80	0.50	0.50	0.50	0.50	0.50	0.83	0.50	0.500
Earnings Smoothness	0.00	0.91	0.46	0.19	0.00	0.00	0.00	0.59	0.51	0.00	0.00	0.99	0.35	0.00	0.00	0.53	0.45	0.38	0.65	0.15	0.147
ROE Trend	0.17	0.04	0.04	-0.00	-0.05	-0.08	-0.12	-0.08	-0.04	0.04	0.06	-0.01	-0.03	-0.04	-0.04	0.04	0.02	0.00	-0.03	-0.03	-0.033
Gross Margin Trend	0.44	0.08	1.15	0.37	-0.02	-0.35	-0.43	-0.26	-0.09	0.07	0.13	-0.10	-0.13	-0.12	-0.04	0.15	0.10	0.16	0.13	0.23	0.228
FCF Margin Trend	1.94	-0.08	1.12	-1.72	0.45	0.17	0.03	-0.51	-0.64	-0.64	-0.42	0.32	0.17	0.27	0.32	-0.10	-0.10	-0.51	-0.64	-0.52	-0.524
Sustainable Growth Rate	7.6%	-0.0%	-1.0%	-3.0%	-5.6%	-8.0%	-8.6%	-6.0%	-2.5%	0.3%	1.0%	-6.4%	-7.5%	-8.5%	-9.5%	-4.6%	-6.1%	-7.6%	-10.0%	-12.2%	-12.18%
Internal Growth Rate	3.6%	—	—	—	—	—	—	—	—	0.1%	0.5%	—	—	—	—	—	—	—	—	—	—

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	1.27	0.78	0.82	0.87	1.52	3.08	4.23	2.04	1.39	0.95	0.83	2.09	2.28	3.20	4.12	1.19	1.19	0.44	0.21	1.05	1.055
FCF/OCF	1.00	1.00	1.00	1.00	1.00	1.00	0.75	0.52	0.57	0.53	0.75	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF/Net Income	snapshot only																				1.055
OCF/EBITDA	snapshot only																				0.315
CapEx/Revenue	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	31.8%	43.3%	32.7%	27.7%	13.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
CapEx/Depreciation	snapshot only																				0.000
Accruals Ratio	-0.04	0.01	0.01	0.01	-0.01	-0.03	-0.04	-0.03	-0.02	0.00	0.01	-0.03	-0.03	-0.04	-0.05	-0.01	-0.01	0.02	0.02	-0.00	-0.001
Sloan Accruals	snapshot only																				-0.030
Cash Flow Adequacy	snapshot only																				0.264
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	21.8%	16.4%	15.2%	16.8%	18.4%	18.9%	18.1%	16.9%	15.8%	15.5%	14.9%	13.8%	14.5%	16.4%	16.4%	17.3%	19.4%	21.8%	22.0%	21.9%	11.25%
Dividend/Share	$2.37	$1.90	$1.85	$1.80	$1.74	$1.75	$1.72	$1.69	$1.72	$1.74	$1.76	$1.69	$1.68	$1.72	$1.73	$1.85	$1.97	$2.02	$1.96	$2.07	$1.02
Payout Ratio	73.9%	1.0%	1.1%	1.3%	2.0%	3.3%	4.2%	2.1%	1.3%	97.5%	92.2%	2.1%	2.6%	3.1%	3.9%	1.5%	1.7%	2.0%	3.0%	4.0%	3.99%
FCF Payout Ratio	58.0%	1.3%	1.3%	1.5%	1.3%	1.1%	1.3%	1.9%	1.6%	1.9%	1.5%	1.0%	1.1%	98.3%	94.8%	1.3%	1.4%	4.5%	14.4%	3.8%	3.78%
Total Payout Ratio	73.9%	1.0%	1.1%	1.3%	2.0%	3.3%	4.2%	2.1%	1.3%	97.5%	92.2%	2.1%	2.6%	3.1%	3.9%	1.6%	2.0%	2.4%	3.7%	4.7%	4.70%
Div. Increase Streak	1	1	1	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1
Chowder Number	2.62	0.49	0.21	0.05	-0.08	0.12	0.14	0.18	0.21	0.22	0.23	0.19	0.19	0.20	0.21	0.29	0.34	0.40	0.31	0.30	0.297
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.9%	3.2%	4.9%	5.2%	3.9%	3.89%
Net Buyback Yield	-0.0%	0.0%	0.0%	-0.2%	-1.3%	-1.4%	-11.2%	-10.0%	-8.3%	-7.9%	-2.7%	-7.5%	-8.1%	-9.1%	-5.9%	0.6%	3.2%	4.8%	5.2%	3.9%	3.89%
Total Shareholder Return	21.8%	16.4%	15.2%	16.6%	17.1%	17.5%	6.9%	6.9%	7.5%	7.6%	12.2%	6.3%	6.4%	7.3%	10.5%	17.9%	22.6%	26.6%	27.2%	25.8%	25.76%

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)	1.00	0.99	0.99	0.98	0.97	0.92	0.90	0.95	0.96	0.97	0.97	0.94	0.93	0.92	0.90	0.96	0.96	0.97	0.95	0.94	0.941
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.67	0.84	0.83	0.68	0.57	0.41	0.411
EBIT Margin	0.98	0.85	0.81	0.74	0.62	0.44	0.34	0.47	0.57	0.63	0.64	0.44	0.40	0.36	0.40	0.59	0.57	0.59	0.48	0.47	0.468
Asset Turnover	0.14	0.07	0.06	0.05	0.04	0.04	0.04	0.06	0.07	0.09	0.09	0.06	0.06	0.05	0.06	0.09	0.08	0.09	0.08	0.10	0.096
Equity Multiplier	2.18	2.13	2.11	2.17	2.22	2.29	2.24	2.30	2.31	2.29	2.23	2.28	2.23	2.24	2.22	2.26	2.28	2.33	2.35	2.33	2.333

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)	$3.21	$1.89	$1.69	$1.33	$0.88	$0.53	$0.41	$0.82	$1.36	$1.79	$1.91	$0.79	$0.65	$0.55	$0.44	$1.24	$1.16	$1.03	$0.66	$0.52	$0.52
Book Value/Share	$15.93	$15.88	$15.80	$15.55	$15.08	$14.61	$15.11	$14.59	$14.61	$14.62	$14.82	$13.95	$13.56	$13.71	$13.20	$12.91	$12.72	$12.31	$12.17	$12.06	$12.06
Tangible Book/Share	$15.93	$15.88	$15.80	$15.55	$15.08	$14.61	$15.11	$14.59	$14.61	$14.62	$14.82	$13.95	$13.56	$13.71	$13.20	$12.91	$12.72	$12.31	$12.17	$12.06	$12.06
Revenue/Share	$3.30	$2.25	$2.11	$1.84	$1.48	$1.32	$1.35	$1.87	$2.47	$2.91	$3.05	$1.91	$1.75	$1.68	$1.84	$2.61	$2.55	$2.64	$2.54	$2.87	$2.87
FCF/Share	$4.08	$1.47	$1.39	$1.16	$1.34	$1.65	$1.30	$0.87	$1.08	$0.90	$1.18	$1.65	$1.48	$1.75	$1.82	$1.47	$1.39	$0.45	$0.14	$0.55	$0.79
OCF/Share	$4.08	$1.47	$1.39	$1.16	$1.34	$1.65	$1.73	$1.68	$1.88	$1.71	$1.58	$1.65	$1.48	$1.75	$1.82	$1.47	$1.39	$0.45	$0.14	$0.55	$0.79
Cash/Share	$1.69	$0.33	$0.31	$0.44	$0.32	$0.39	$0.45	$0.39	$0.70	$0.48	$0.48	$0.54	$0.45	$0.54	$0.71	$0.92	$1.01	$0.37	$0.37	$0.45	$0.45
EBITDA/Share	$3.22	$1.91	$1.71	$1.36	$0.91	$0.58	$0.46	$0.87	$1.41	$1.84	$1.96	$0.84	$0.70	$0.60	$0.79	$1.59	$1.52	$2.01	$1.61	$1.74	$1.74
Debt/Share	$15.99	$18.30	$18.31	$19.81	$20.48	$19.57	$18.50	$17.86	$17.15	$16.67	$16.63	$16.99	$16.08	$16.82	$15.95	$15.36	$16.12	$16.25	$16.89	$16.46	$16.46
Net Debt/Share	$14.30	$17.97	$18.00	$19.37	$20.16	$19.18	$18.05	$17.47	$16.45	$16.20	$16.16	$16.46	$15.63	$16.29	$15.25	$14.44	$15.11	$15.87	$16.52	$16.01	$16.01

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.360
Altman Z-Prime	snapshot only																				0.377
Piotroski F-Score	7	4	2	2	3	4	4	7	8	7	7	6	3	3	5	7	7	5	6	6	6
Beneish M-Score	-1.50	-1.40	-2.59	-1.97	-0.69	-1.11	-2.08	-1.42	-0.54	-1.88	-2.26	—	-2.49	-2.99	-2.92	—	-2.65	-2.47	-2.14	-2.37	-2.372
Ohlson O-Score	snapshot only																				-6.506
ROIC (Greenblatt)	snapshot only																				54.01%
Net-Net WC	snapshot only																				$-16.48
EVA	snapshot only																				$-175847834.64

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																				B-
Credit Score	47.20	27.08	24.11	26.74	23.67	19.76	21.86	20.63	27.29	26.79	29.41	20.17	21.48	22.36	25.17	28.61	29.08	21.76	22.20	21.43	21.426
Credit Grade	snapshot only																				16
Credit Trend	snapshot only																				-7.185
Implied Spread (bps)	snapshot only																				900.000
Industry Credit Rank	snapshot only																				9
Sector Credit Rank	snapshot only																				6

GSBD 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

Workforce & Productivity

Scaling Efficiency

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