$24.24

-0.10 (-0.41%)

After Hours: $24.48 (+0.24, +1.01%)

Weekly Expected Move ±2.4%

$23 $24 $24 $25 $25

NYSE · Financial Services · Asset Management · Tech Score Neutral · Power 51 · $3.1B mcap · 138M float · 0.0019% daily turnover · Short 29% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $55.2M held by 90 funds, 189 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions Dark Pool Short Interest Supply Chain

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

53.1 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 10.1% · 5Y Avg: 7.5%

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. HCXY shows a Weak competitive edge (53.1/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 10.1% suggests modest returns relative to capital deployed.

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

Rating Change History

Date	From	To
2026-10-12	B	B+
2026-08-14	B+	B
2026-08-03	B	B+
2026-07-31	B+	B
2026-07-25	B	B+
2026-05-18	B+	B
2026-05-11	B	B+
2026-05-05	B-	B
2026-05-04	B	B-
2026-04-01	B-	B

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 38 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. HCXY scores highest in Profitability (82/100) and lowest in Cash Flow (27/100). 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

1.55

Distress Zone

Piotroski F-Score

4/9

✓ ✓ ✓ ✗ ✗ ✗ ✗ ✗ ✓

Beneish M-Score

-1.88

Unlikely Manipulator

Ohlson O-Score

-6.79

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

BB-

Score: 35.1/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: 0.02x

Accruals: 8.3%

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. HCXY scores 1.55, 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. HCXY scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. HCXY's score of -1.88 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. HCXY'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. HCXY receives an estimated rating of BB- (score: 35.1/100), 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). HCXY's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

7.92x

PEG

0.21x

P/S

5.34x

P/B

1.35x

P/FCF

582.79x

P/OCF

579.77x

EV/EBITDA

15.68x

EV/Revenue

13.23x

EV/EBIT

15.69x

EV/FCF

854.82x

Earnings Yield

7.75%

FCF Yield

0.17%

Shareholder Yield

8.49%

Graham Number

$22.16

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 7.9x earnings, HCXY trades at a deep value multiple. An earnings yield of 7.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $22.16 per share, 10% 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

0.998

NI / EBT

Interest Burden

0.831

EBT / EBIT

EBIT Margin

0.843

EBIT / Rev

Asset Turnover

0.122

Rev / Assets

Equity Multiplier

2.028

Assets / Equity

ROE

17.3%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. HCXY's ROE of 17.3% is driven by EBIT Margin (0.843) as the dominant factor. A tax burden ratio of 1.00 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

15.00%

Fair P/E

38.50x

Intrinsic Value

$73.75

Price/Value

0.34x

Margin of Safety

66.49%

Premium

-66.49%

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 HCXY's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. HCXY trades at a -66% premium to its adjusted intrinsic value of $73.75, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 7.9x.

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

$24.24

Median 1Y

$18.63

5th Pctile

$4.97

95th Pctile

$70.69

Ann. Volatility

78.2%

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

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
Scott Bluestein Investment utive Officer and Chief Investment Officer	$650,000	$5,019,494	$8,891,994
Seth H. Meyer Chief Financial Officer	$550,000	$1,625,903	$3,040,903
Christian Follmann Operating rating Officer	$300,000	$462,343	$1,209,843
Kiersten Zaza Botelho General Counsel, Chief Compliance Officer and Corporate Secretary	$300,000	$366,067	$1,083,567

CEO Pay Ratio

23:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $8,891,994

Avg Employee Cost (SGA/emp): $380,580

Employees: 50

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

-50.0% YoY

Revenue / Employee

$9,837,640

Rev: $491,882,000

Profit / Employee

$6,794,740

NI: $339,737,000

SGA / Employee

$380,580

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	25.6%	13.4%	8.1%	1.0%	3.2%	7.5%	14.1%	20.9%	18.6%	21.1%	19.7%	16.3%	18.4%	13.9%	11.4%	12.9%	15.3%	16.1%	15.7%	17.3%	17.28%
ROA	12.1%	6.7%	4.0%	0.5%	1.5%	3.6%	6.7%	10.0%	8.9%	10.5%	9.6%	8.1%	9.2%	7.3%	5.8%	6.5%	7.7%	8.1%	7.5%	8.5%	8.52%
ROIC	8.9%	9.1%	8.3%	8.0%	2.6%	8.6%	9.3%	10.7%	11.1%	11.9%	10.9%	10.4%	10.8%	10.4%	9.5%	10.2%	10.8%	10.7%	8.8%	10.1%	10.07%
ROCE	7.8%	9.8%	7.9%	7.4%	7.7%	8.4%	8.9%	10.1%	11.2%	11.2%	11.6%	10.6%	10.6%	10.0%	9.8%	10.2%	10.6%	10.4%	8.7%	11.5%	11.49%
Gross Margin	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	98.0%	98.0%	1.0%	1.0%	1.0%	1.0%	97.7%	98.1%	70.7%	98.0%	97.98%
Operating Margin	78.7%	78.4%	76.7%	77.9%	81.1%	81.3%	81.7%	83.7%	83.6%	87.1%	83.7%	51.2%	85.8%	85.9%	84.1%	84.0%	1.1%	73.7%	44.3%	1.0%	1.01%
Net Margin	33.5%	5.1%	-5.1%	-14.3%	63.2%	62.4%	90.0%	81.5%	24.0%	98.0%	70.1%	35.1%	54.9%	50.4%	42.1%	57.4%	87.1%	57.6%	44.3%	83.0%	83.02%
EBITDA Margin	75.4%	75.2%	75.7%	75.4%	79.2%	80.0%	80.4%	82.1%	82.1%	86.4%	83.9%	51.3%	84.3%	84.8%	83.4%	83.3%	1.1%	73.7%	44.4%	1.0%	1.01%
FCF Margin	59.0%	77.2%	-2.0%	-59.3%	-88.5%	-1.3%	-87.7%	-16.2%	-29.2%	14.6%	-19.1%	-34.2%	-58.0%	-90.2%	-88.2%	-1.3%	-77.4%	-77.3%	-82.3%	1.5%	1.55%
OCF Margin	59.0%	77.3%	-1.9%	-59.2%	-88.4%	-1.3%	-87.7%	-16.1%	-29.1%	14.8%	-18.9%	-34.0%	-57.9%	-90.3%	-88.4%	-1.3%	-77.5%	-77.3%	-82.3%	1.6%	1.56%
ROE 3Y Avg	snapshot only																				14.67%
ROE 5Y Avg	snapshot only																				12.85%
ROA 3Y Avg	snapshot only																				7.29%
ROIC 3Y Avg	snapshot only																				8.55%
ROIC Economic	snapshot only																				9.99%
Cash ROA	snapshot only																				0.18%
Cash ROIC	snapshot only																				0.19%
CROIC	snapshot only																				0.18%
NOPAT Margin	snapshot only																				84.31%
Pretax Margin	snapshot only																				70.08%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				3.44%
SBC / Revenue	snapshot only																				0.68%

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	7.32	13.90	22.69	184.55	57.10	26.37	13.80	9.83	10.98	10.42	10.59	13.02	11.90	14.89	18.99	17.85	15.63	14.65	14.50	12.90	7.921
P/S Ratio	8.30	8.61	8.73	8.97	8.40	8.37	7.63	7.39	7.01	7.63	7.29	7.49	7.71	7.89	8.69	9.19	9.39	9.01	9.10	9.02	5.344
P/B Ratio	1.76	1.85	1.82	1.89	1.81	1.92	1.84	1.89	1.86	1.95	1.88	1.97	2.07	1.97	2.11	2.15	2.21	2.24	2.16	2.17	1.350
P/FCF	14.06	11.15	-441.83	-15.13	-9.50	-6.33	-8.70	-45.60	-24.01	52.18	-38.11	-21.89	-13.28	-8.75	-9.86	-7.32	-12.13	-11.66	-11.05	582.79	582.787
P/OCF	14.05	11.15	—	—	—	—	—	—	—	51.50	—	—	—	—	—	—	—	—	—	579.77	579.773
EV/EBITDA	16.20	16.55	17.54	18.48	5.31	16.98	15.43	13.86	13.14	13.04	13.31	14.52	14.54	14.75	16.67	15.74	15.07	15.20	17.52	15.68	15.681
EV/Revenue	12.46	12.57	13.31	13.94	4.07	13.23	12.19	11.16	10.67	10.81	11.13	11.05	11.17	11.27	12.69	13.21	13.50	13.09	13.86	13.23	13.228
EV/EBIT	16.22	16.57	17.56	18.50	5.32	17.00	15.44	13.87	13.15	13.05	13.32	14.53	14.56	14.77	16.69	15.75	15.08	15.21	17.53	15.69	15.692
EV/FCF	21.10	16.27	-673.95	-23.50	-4.59	-10.02	-13.90	-68.88	-36.56	73.86	-58.21	-32.29	-19.24	-12.50	-14.39	-10.53	-17.44	-16.93	-16.84	854.82	854.816
Earnings Yield	13.7%	7.2%	4.4%	0.5%	1.8%	3.8%	7.2%	10.2%	9.1%	9.6%	9.4%	7.7%	8.4%	6.7%	5.3%	5.6%	6.4%	6.8%	6.9%	7.8%	7.75%
FCF Yield	7.1%	9.0%	-0.2%	-6.6%	-10.5%	-15.8%	-11.5%	-2.2%	-4.2%	1.9%	-2.6%	-4.6%	-7.5%	-11.4%	-10.1%	-13.7%	-8.2%	-8.6%	-9.0%	0.2%	0.17%
PEG Ratio	snapshot only																				0.211
Price/Tangible Book	snapshot only																				2.168
EV/OCF	snapshot only																				850.394
EV/Gross Profit	snapshot only																				14.201
Acquirers Multiple	snapshot only																				15.690
Shareholder Yield	snapshot only																				8.49%
Graham Number	snapshot only																				$22.16

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	32.21	0.36	2.80	3.65	464.21	1.23	3.13	24.13	0.46	25.34	0.49	0.47	1.48	2.57	0.34	0.57	1.23	5.79	0.94	0.13	0.125
Quick Ratio	32.21	0.36	2.80	3.65	464.21	1.23	3.13	24.13	0.46	25.34	0.49	0.47	1.48	2.57	0.34	0.57	1.23	5.79	0.94	0.13	0.125
Debt/Equity	1.06	0.95	1.00	1.13	1.12	1.13	1.15	1.00	0.99	0.87	1.02	0.95	0.95	0.90	1.00	0.97	0.99	1.04	1.15	1.03	1.033
Net Debt/Equity	0.88	0.85	0.95	1.05	-0.94	1.12	1.10	0.97	0.97	0.81	0.99	0.94	0.93	0.84	0.97	0.94	0.97	1.01	1.13	1.01	1.012
Debt/Assets	0.51	0.48	0.49	0.52	0.52	0.52	0.53	0.49	0.49	0.46	0.52	0.48	0.48	0.47	0.49	0.49	0.49	0.50	0.53	0.50	0.501
Debt/EBITDA	6.49	5.83	6.32	7.13	6.79	6.30	6.02	4.87	4.60	4.09	4.74	4.75	4.61	4.72	5.39	4.92	4.70	4.85	6.12	5.09	5.095
Net Debt/EBITDA	5.41	5.20	6.04	6.58	-5.67	6.24	5.77	4.68	4.51	3.83	4.60	4.68	4.51	4.42	5.26	4.80	4.59	4.73	6.02	4.99	4.990
Interest Coverage	3.79	3.91	4.09	4.26	4.41	4.57	4.78	5.09	5.38	5.64	5.91	5.26	7.04	—	20.95	11.49	12.54	18.70	7.79	5.65	5.647
Equity Multiplier	2.09	1.99	2.02	2.16	2.15	2.16	2.17	2.03	2.02	1.90	1.96	1.98	1.97	1.93	2.01	1.99	2.01	2.07	2.17	2.06	2.061
Cash Ratio	snapshot only																				0.071
Debt Service Coverage	snapshot only																				5.651
Cash to Debt	snapshot only																				0.020
FCF to Debt	snapshot only																				0.004
Defensive Interval	snapshot only																				321.8 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	0.11	0.11	0.11	0.10	0.10	0.11	0.12	0.13	0.14	0.14	0.14	0.14	0.14	0.14	0.13	0.13	0.13	0.13	0.12	0.12	0.122
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	15.19	15.42	13.78	13.60	13.56	13.12	14.14	14.97	15.23	14.30	14.51	15.35	15.65	15.19	14.18	15.18	15.20	15.78	31.87	15.30	15.303
Payables Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.08	0.10	0.11	0.09	0.07	0.00	0.14	0.10	0.84	0.65	0.648
DSO	24	24	26	27	27	28	26	24	24	26	25	24	23	24	26	24	24	23	11	24	23.9 days
DIO	—	—	—	—	—	—	—	—	—	—	0	0	0	0	0	—	0	0	0	0	0.0 days
DPO	—	—	—	—	—	—	—	—	—	—	4736	3487	3260	3941	5351	—	2700	3571	435	563	563.1 days
Cash Conversion Cycle	—	—	—	—	—	—	—	—	—	—	-4711	-3463	-3236	-3917	-5326	—	-2676	-3548	-423	-539	-539.2 days
Fixed Asset Turnover	snapshot only																				39.518
Cash Velocity	snapshot only																				11.350
Capital Intensity	snapshot only																				8.573

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	0.5%	-2.2%	-1.8%	-1.4%	3.6%	14.5%	30.4%	44.9%	49.1%	43.2%	34.2%	20.3%	13.4%	7.7%	0.1%	3.2%	3.7%	11.1%	8.6%	8.5%	8.49%
Net Income	1.7%	-23.4%	-66.7%	-96.0%	-86.5%	-41.4%	87.5%	21.4%	5.5%	2.3%	67.0%	-7.9%	15.0%	-22.1%	-33.4%	-7.7%	-3.8%	28.9%	48.9%	47.4%	47.40%
EPS	1.6%	-25.0%	-67.7%	-95.8%	-87.9%	-48.3%	61.8%	18.6%	4.7%	1.8%	44.9%	-18.9%	4.7%	-25.8%	-40.0%	-21.9%	-20.1%	9.6%	32.7%	40.9%	40.90%
FCF	1.7%	70.8%	-1.0%	-2.0%	-2.6%	-3.0%	-56.9%	60.4%	50.8%	1.2%	70.7%	-1.5%	-1.3%	-7.6%	-3.6%	-2.8%	-38.3%	4.8%	-1.4%	1.0%	1.01%
EBITDA	-1.3%	-4.9%	-4.1%	-4.4%	3.0%	17.4%	35.8%	54.8%	58.2%	52.3%	42.1%	13.7%	7.2%	-0.8%	-8.9%	13.8%	21.0%	25.2%	12.9%	9.0%	9.04%
Op. Income	0.2%	-3.2%	-2.8%	-3.4%	2.9%	15.8%	34.1%	52.6%	56.7%	51.5%	40.7%	12.4%	6.0%	-1.5%	-9.0%	14.5%	21.0%	24.7%	11.9%	7.7%	7.70%
OCF Growth	snapshot only																				1.01%
Asset Growth	snapshot only																				9.42%
Equity Growth	snapshot only																				5.73%
Debt Growth	snapshot only																				12.93%
Shares Change	snapshot only																				4.61%
Dividend Growth	snapshot only																				26.13%

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	79.0%	38.2%	14.4%	3.3%	7.0%	8.2%	13.3%	17.8%	15.8%	17.1%	19.8%	19.8%	20.5%	20.9%	20.5%	21.7%	20.6%	19.7%	13.4%	10.5%	10.46%
Revenue 5Y	—	—	—	—	—	—	—	—	54.7%	34.1%	21.3%	14.0%	15.7%	14.3%	14.3%	15.2%	12.8%	13.9%	13.3%	14.0%	14.00%
EPS 3Y	95.1%	98.1%	2.8%	-56.1%	-32.1%	-22.2%	24.0%	35.3%	21.5%	2.5%	-8.8%	-12.9%	-10.4%	2.1%	12.0%	1.3%	68.2%	31.1%	4.8%	-3.7%	-3.73%
EPS 5Y	—	—	—	—	—	—	—	—	38.6%	62.0%	20.6%	6.1%	13.3%	-0.6%	10.6%	9.4%	8.5%	-2.6%	-9.6%	-6.2%	-6.16%
Net Income 3Y	1.1%	1.1%	10.0%	-52.7%	-27.1%	-16.2%	33.9%	46.6%	32.4%	14.1%	1.4%	-6.3%	0.0%	14.7%	27.7%	1.7%	92.7%	49.2%	18.3%	7.8%	7.81%
Net Income 5Y	—	—	—	—	—	—	—	—	51.0%	78.8%	33.1%	17.0%	23.5%	8.7%	21.7%	21.8%	20.7%	8.3%	0.7%	2.3%	2.31%
EBITDA 3Y	75.6%	37.1%	18.2%	5.9%	12.7%	13.7%	16.0%	20.9%	17.2%	19.4%	22.7%	18.9%	20.4%	21.1%	20.6%	26.1%	27.1%	23.7%	13.5%	12.2%	12.17%
EBITDA 5Y	—	—	—	—	—	—	—	—	54.6%	35.7%	26.1%	15.9%	19.4%	17.3%	15.1%	18.0%	15.9%	16.2%	13.7%	15.9%	15.87%
Gross Profit 3Y	85.9%	87.5%	34.2%	17.1%	22.9%	11.8%	16.0%	19.1%	15.8%	17.1%	19.6%	19.4%	20.1%	20.4%	20.3%	21.7%	20.3%	19.2%	10.9%	7.9%	7.88%
Gross Profit 5Y	—	—	—	—	—	—	—	—	58.2%	61.0%	33.3%	22.6%	25.5%	16.3%	15.8%	16.0%	12.6%	13.7%	11.8%	12.4%	12.40%
Op. Income 3Y	1.1%	1.3%	69.0%	44.2%	41.9%	21.1%	18.3%	18.2%	17.3%	19.3%	22.4%	18.3%	19.5%	20.0%	19.8%	25.2%	26.2%	23.0%	12.8%	11.5%	11.47%
Op. Income 5Y	—	—	—	—	—	—	—	—	69.6%	82.1%	55.5%	38.7%	36.5%	21.5%	16.2%	16.2%	15.7%	15.8%	13.3%	15.3%	15.33%
FCF 3Y	—	—	—	—	—	—	—	—	—	-19.1%	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-44.9%	-44.94%
OCF 3Y	—	—	—	—	—	—	—	—	—	-18.7%	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-44.9%	-44.88%
Assets 3Y	15.3%	10.2%	8.0%	7.5%	8.1%	7.2%	10.7%	9.3%	10.0%	9.2%	12.7%	12.5%	9.4%	13.8%	14.4%	14.3%	14.7%	14.8%	14.1%	13.3%	13.29%
Assets 5Y	—	—	—	—	—	—	—	—	12.8%	11.9%	11.6%	9.7%	9.6%	9.2%	11.0%	11.7%	12.0%	11.8%	13.3%	12.7%	12.70%
Equity 3Y	10.0%	11.1%	10.4%	6.3%	7.9%	7.3%	11.0%	10.8%	12.1%	11.8%	12.8%	11.0%	11.5%	15.0%	14.5%	17.4%	17.1%	16.5%	14.1%	12.8%	12.78%
Book Value 3Y	3.1%	4.2%	3.2%	-1.5%	0.5%	-0.3%	2.8%	2.3%	2.9%	0.4%	1.4%	3.2%	-0.1%	2.3%	0.4%	1.8%	2.3%	2.4%	1.1%	0.7%	0.70%
Dividend 3Y	-2.8%	-1.7%	1.0%	0.8%	2.6%	3.9%	1.7%	-0.3%	-2.6%	-6.8%	-6.4%	-3.1%	-7.2%	-7.9%	-9.9%	-11.5%	-3.9%	-3.5%	-2.7%	-2.1%	-2.06%

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	0.74	0.72	0.80	0.66	0.78	0.83	0.79	0.76	0.88	0.91	0.88	0.77	0.84	0.85	0.88	0.90	0.86	0.92	0.93	0.97	0.966
Earnings Stability	0.84	0.56	0.12	0.01	0.09	0.11	0.16	0.09	0.29	0.43	0.41	0.18	0.30	0.21	0.18	0.14	0.28	0.37	0.10	0.14	0.143
Margin Stability	0.82	0.65	0.80	0.83	0.81	0.95	0.97	0.98	0.95	0.70	0.82	0.85	0.84	0.96	0.97	0.99	1.00	0.99	0.97	0.97	0.970
Rev. Growth Consistency	1.00	0.00	0.00	0.00	1.00	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	1.000
Earn. Growth Consistency	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.50	0.91	0.50	0.50	0.50	0.83	0.50	0.50	0.50	0.50	0.50	0.97	0.94	0.91	0.87	0.97	0.98	0.88	0.80	0.81	0.810
Earnings Smoothness	0.09	0.74	0.00	0.00	0.00	0.48	0.39	0.00	0.00	0.00	0.50	0.92	0.86	0.75	0.60	0.92	0.96	0.75	0.61	0.62	0.617
ROE Trend	0.14	-0.03	-0.08	-0.16	-0.14	-0.08	-0.03	0.06	0.03	0.08	0.07	0.05	0.07	0.00	-0.04	-0.05	-0.03	-0.01	0.00	0.03	0.032
Gross Margin Trend	0.17	0.05	0.03	0.02	0.00	0.00	0.00	0.00	0.00	0.00	-0.01	-0.01	-0.01	-0.01	-0.00	0.01	-0.00	-0.01	-0.06	-0.06	-0.063
FCF Margin Trend	1.23	1.03	-0.11	-0.98	-1.29	-1.93	-1.11	-0.16	-0.14	0.42	0.26	0.04	0.01	-0.31	-0.35	-1.00	-0.34	-0.39	-0.29	0.81	0.814
Sustainable Growth Rate	12.2%	-0.1%	-6.3%	-14.3%	-13.4%	-10.6%	-3.7%	3.1%	0.8%	4.0%	2.9%	-0.7%	1.4%	-2.1%	-4.4%	-2.7%	-4.3%	-3.0%	-3.6%	-1.4%	-1.38%
Internal Growth Rate	6.2%	—	—	—	—	—	—	1.5%	0.4%	2.0%	1.5%	—	0.7%	—	—	—	—	—	—	—	—

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	0.52	1.25	-0.05	-12.19	-6.01	-4.16	-1.59	-0.21	-0.46	0.20	-0.27	-0.59	-0.89	-1.70	-1.93	-2.44	-1.29	-1.26	-1.31	0.02	0.022
FCF/OCF	1.00	1.00	1.03	1.00	1.00	1.00	1.00	1.01	1.00	0.99	1.01	1.01	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.995
FCF/Net Income	snapshot only																				0.022
OCF/EBITDA	snapshot only																				0.018
CapEx/Revenue	0.0%	0.0%	0.1%	0.1%	0.1%	0.0%	0.0%	0.1%	0.1%	0.2%	0.2%	0.2%	0.2%	0.0%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.01%
CapEx/Depreciation	snapshot only																				0.131
Accruals Ratio	0.06	-0.02	0.04	0.07	0.11	0.19	0.17	0.12	0.13	0.08	0.12	0.13	0.17	0.20	0.17	0.22	0.18	0.18	0.17	0.08	0.083
Sloan Accruals	snapshot only																				-0.117
Cash Flow Adequacy	snapshot only																				0.021
Earnings Quality Score	snapshot only																				0.250

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	7.1%	7.3%	7.9%	8.2%	9.1%	9.1%	9.1%	8.7%	8.7%	7.8%	8.0%	8.0%	7.8%	7.8%	7.3%	6.8%	8.2%	8.1%	8.5%	8.4%	11.78%
Dividend/Share	$1.45	$1.50	$1.61	$1.65	$1.73	$1.85	$1.84	$1.83	$1.82	$1.73	$1.80	$1.82	$1.84	$1.83	$1.76	$1.64	$2.04	$2.06	$2.07	$2.07	$1.95
Payout Ratio	52.3%	1.0%	1.8%	15.1%	5.2%	2.4%	1.3%	85.1%	95.7%	81.1%	85.1%	1.0%	92.5%	1.2%	1.4%	1.2%	1.3%	1.2%	1.2%	1.1%	1.08%
FCF Payout Ratio	1.0%	80.9%	—	—	—	—	—	—	—	4.1%	—	—	—	—	—	—	—	—	—	48.8%	48.78%
Total Payout Ratio	53.0%	1.0%	1.8%	15.5%	5.3%	2.4%	1.3%	89.0%	1.0%	84.9%	89.3%	1.1%	93.4%	1.2%	1.4%	1.2%	1.3%	1.2%	1.2%	1.1%	1.10%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.19	0.22	0.34	0.37	0.43	0.49	0.41	0.35	0.28	0.19	0.21	0.21	0.19	0.19	0.16	0.13	0.42	0.40	0.41	0.40	0.403
Buyback Yield	0.1%	0.1%	0.2%	0.2%	0.2%	0.2%	0.1%	0.4%	0.4%	0.4%	0.4%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.13%
Net Buyback Yield	-0.0%	0.1%	0.2%	0.2%	0.2%	0.2%	0.1%	0.4%	0.4%	0.4%	0.4%	0.1%	0.1%	-3.8%	-4.4%	-7.2%	-6.9%	-4.0%	-4.4%	-1.3%	-1.27%
Total Shareholder Return	7.1%	7.4%	8.1%	8.4%	9.3%	9.3%	9.2%	9.1%	9.1%	8.1%	8.4%	8.1%	7.8%	4.0%	2.9%	-0.5%	1.3%	4.1%	4.1%	7.1%	7.10%

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	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.998
Interest Burden (EBT/EBIT)	1.48	0.82	0.51	0.06	0.19	0.41	0.70	0.93	0.79	0.88	0.82	0.76	0.84	0.70	0.60	0.61	0.67	0.72	0.80	0.83	0.831
EBIT Margin	0.77	0.76	0.76	0.75	0.76	0.78	0.79	0.81	0.81	0.83	0.84	0.76	0.77	0.76	0.76	0.84	0.90	0.86	0.79	0.84	0.843
Asset Turnover	0.11	0.11	0.11	0.10	0.10	0.11	0.12	0.13	0.14	0.14	0.14	0.14	0.14	0.14	0.13	0.13	0.13	0.13	0.12	0.12	0.122
Equity Multiplier	2.11	2.01	1.99	2.03	2.12	2.08	2.10	2.09	2.08	2.01	2.05	2.00	2.00	1.91	1.99	1.99	2.00	2.00	2.10	2.03	2.028

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)	$2.77	$1.49	$0.90	$0.11	$0.33	$0.77	$1.46	$2.15	$1.90	$2.14	$2.11	$1.74	$1.99	$1.59	$1.27	$1.36	$1.59	$1.74	$1.68	$1.92	$1.92
Book Value/Share	$11.51	$11.21	$11.27	$10.69	$10.54	$10.60	$10.94	$11.16	$11.23	$11.43	$11.94	$11.51	$11.47	$12.01	$11.41	$11.28	$11.27	$11.38	$11.31	$11.40	$12.26
Tangible Book/Share	$11.51	$11.21	$11.27	$10.69	$10.54	$10.60	$10.94	$11.16	$11.23	$11.43	$11.94	$11.51	$11.47	$12.01	$11.41	$11.28	$11.27	$11.38	$11.31	$11.40	$11.40
Revenue/Share	$2.44	$2.41	$2.34	$2.25	$2.27	$2.43	$2.64	$2.86	$2.98	$2.92	$3.07	$3.03	$3.08	$2.99	$2.77	$2.64	$2.65	$2.83	$2.68	$2.74	$3.13
FCF/Share	$1.44	$1.86	$-0.05	$-1.34	$-2.01	$-3.21	$-2.31	$-0.46	$-0.87	$0.43	$-0.59	$-1.04	$-1.79	$-2.70	$-2.44	$-3.31	$-2.05	$-2.19	$-2.21	$0.04	$0.05
OCF/Share	$1.44	$1.86	$-0.05	$-1.33	$-2.01	$-3.21	$-2.31	$-0.46	$-0.87	$0.43	$-0.58	$-1.03	$-1.78	$-2.71	$-2.45	$-3.32	$-2.06	$-2.19	$-2.21	$0.04	$0.05
Cash/Share	$2.03	$1.14	$0.50	$0.93	$21.67	$0.12	$0.52	$0.43	$0.22	$0.63	$0.38	$0.17	$0.24	$0.68	$0.29	$0.27	$0.26	$0.29	$0.22	$0.24	$0.26
EBITDA/Share	$1.88	$1.83	$1.78	$1.70	$1.74	$1.89	$2.09	$2.30	$2.42	$2.42	$2.57	$2.30	$2.36	$2.29	$2.11	$2.22	$2.37	$2.44	$2.12	$2.31	$2.31
Debt/Share	$12.19	$10.65	$11.25	$12.11	$11.81	$11.94	$12.55	$11.21	$11.14	$9.89	$12.20	$10.95	$10.88	$10.79	$11.37	$10.91	$11.15	$11.82	$12.98	$11.78	$11.78
Net Debt/Share	$10.16	$9.51	$10.75	$11.19	$-9.86	$11.82	$12.03	$10.77	$10.92	$9.26	$11.82	$10.78	$10.64	$10.11	$11.08	$10.63	$10.89	$11.53	$12.76	$11.53	$11.53

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.545
Altman Z-Prime	snapshot only																				2.047
Piotroski F-Score	5	4	1	2	3	3	4	5	4	6	4	3	5	2	3	3	1	4	3	4	4
Beneish M-Score	-2.31	-2.64	-2.32	-2.04	-2.00	-0.94	-1.10	-1.40	10.72	-1.97	-1.63	-1.87	-1.66	-1.60	-2.29	-1.37	-1.39	-1.34	-2.44	-1.88	-1.876
Ohlson O-Score	snapshot only																				-6.794
Net-Net WC	snapshot only																				$-11.67
EVA	snapshot only																				$3400500.00

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																				BB-
Credit Score	43.90	33.57	41.56	40.43	48.46	36.05	42.28	47.31	37.03	56.45	35.00	35.90	46.72	53.40	43.20	42.16	49.44	53.67	39.58	35.13	35.129
Credit Grade	snapshot only																				13
Credit Trend	snapshot only																				-7.027
Implied Spread (bps)	snapshot only																				550.000
Industry Credit Rank	snapshot only																				27
Sector Credit Rank	snapshot only																				17

HCXY NYSE

Edge Score

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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