$38.30

-0.25 (-0.65%)

Weekly Expected Move ±4.0%

$35 $37 $38 $40 $41

NYSE · Financial Services · Insurance - Property & Casualty · Tech Score Buy · Power 67 · $1.0B mcap · 20M float · 0.988% daily turnover · Short 51% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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

46.5 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 169.7% · 5Y Avg: -9197.1%

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. HIPO shows a Weak competitive edge (46.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 169.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

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

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-10-14	JMP Securities	—	$4	$45	+41	+31.8%	$34.14
2024-10-09	Jefferies	Yaron Kinar	Initiated	$28	—	+61.3%	$17.36
2023-01-09	Goldman Sachs	—	Initiated	$23	—	+42.0%	$16.20
2022-11-22	Morgan Stanley	—	$2	$18	+15	+33.3%	$13.13
2022-08-19	Morgan Stanley	—	Initiated	$2	—	-90.9%	$22.54
2022-02-09	JMP Securities	Matthew Carletti	Initiated	$4	—	-92.0%	$49.75

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.

A-

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. HIPO receives an overall rating of A-. Strongest factors: ROE (5/5), ROA (5/5), D/E (4/5), P/E (4/5). Areas of concern: DCF (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-12	B+	A-
2026-10-01	A-	B+
2026-07-27	B+	A-
2026-07-01	A-	B+
2026-05-01	B	A-
2026-03-06	B-	B
2026-02-26	B+	B-
2026-01-30	B	B+
2026-01-26	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.

★ ★ ★ ★ ★ 54 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. HIPO scores highest in Momentum (76/100) and lowest in Safety (30/100). 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-I Score

1.40

Distress Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-3.10

Unlikely Manipulator

Ohlson O-Score

-5.07

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

A-

Score: 65.7/100

Trend: Improving

Earnings Quality

50/100

OCF/NI: 0.59x

Accruals: 2.5%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. HIPO scores 1.40, placing it in the Distress Zone (safe > 3.0, distress < 1.5). 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. HIPO 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. HIPO's score of -3.10 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. HIPO's implied 0.6% 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. HIPO receives an estimated rating of A- (score: 65.7/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). HIPO's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

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

P/E

7.98x

PEG

0.01x

P/S

1.99x

P/B

2.16x

P/FCF

11.05x

P/OCF

10.47x

EV/EBITDA

2.79x

EV/Revenue

0.70x

EV/EBIT

2.89x

EV/FCF

5.25x

Earnings Yield

16.17%

FCF Yield

9.05%

Shareholder Yield

1.93%

Graham Number

$42.46

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 8.0x earnings, HIPO trades at a deep value multiple. An earnings yield of 16.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $42.46 per share, suggesting a potential 11% 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

0.985

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.243

EBIT / Rev

Asset Turnover

0.252

Rev / Assets

Equity Multiplier

5.043

Assets / Equity

ROE

30.4%

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. HIPO's ROE of 30.4% is driven by financial leverage (equity multiplier: 5.04x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.99 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

$38.83

Price/Value

0.73x

Margin of Safety

27.22%

Premium

-27.22%

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 HIPO's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. HIPO trades at a -27% premium to its adjusted intrinsic value of $38.83, 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 8.0x.

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 1456 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$38.28

Median 1Y

$21.69

5th Pctile

$7.10

95th Pctile

$66.30

Ann. Volatility

66.2%

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
Stewart Ellis, Financial ancial Officer	$391,667	$1,388,781	$4,056,632
Richard McCathron, President	$383,333	$1,388,781	$2,878,441
Assaf Wand, Co-Founder and Chief Executive Officer	$368,216	$—	$1,572,269

CEO Pay Ratio

8:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,572,269

Avg Employee Cost (SGA/emp): $186,296

Employees: 540

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

540

+13.0% YoY

Revenue / Employee

$867,778

Rev: $468,600,000

Profit / Employee

$106,852

NI: $57,700,000

SGA / Employee

$186,296

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	-34.5%	-43.2%	-55.4%	-48.8%	-43.1%	-46.0%	-49.9%	-61.9%	-56.4%	-56.4%	-53.7%	-44.7%	-34.6%	-10.9%	-15.6%	-3.3%	25.6%	14.5%	29.2%	30.4%	30.40%
ROA	-18.7%	-22.6%	-17.7%	-25.0%	-20.1%	-20.8%	-20.5%	-22.3%	-17.9%	-17.6%	-15.4%	-10.8%	-8.0%	-2.6%	-3.5%	-0.7%	5.6%	3.3%	6.2%	6.0%	6.03%
ROIC	-2.2%	-3.9%	-1.4%	-1.3%	-2.9%	11.9%	-3.7%	10.7%	3.8%	2.1%	4.1%	2.0%	14.5%	-12.4%	52.0%	-0.3%	51.1%	26.3%	-5.9%	1.7%	1.70%
ROCE	-20.6%	-25.1%	-14.2%	-13.9%	-19.9%	-20.7%	-20.4%	-21.4%	-17.2%	-17.2%	-15.2%	-10.5%	-9.0%	-2.2%	-2.6%	0.0%	19.1%	11.4%	20.6%	21.2%	21.20%
Gross Margin	-34.7%	88.2%	-18.8%	-36.9%	-3.6%	11.2%	-15.1%	-82.0%	17.0%	25.3%	0.2%	-8.8%	31.7%	-24.3%	-11.2%	34.1%	33.3%	62.2%	32.2%	58.7%	58.67%
Operating Margin	-1.4%	-1.8%	-2.7%	-2.5%	-4.1%	-1.7%	-1.7%	-2.2%	-87.7%	-60.5%	-38.7%	-40.7%	-5.4%	46.2%	-41.3%	3.4%	81.3%	5.6%	5.9%	7.6%	7.60%
Net Margin	-1.5%	-1.9%	-2.8%	-2.6%	-4.2%	-1.8%	-1.8%	-2.3%	-92.0%	-65.6%	-42.0%	-45.2%	-8.9%	43.4%	-43.2%	1.1%	81.3%	5.0%	5.8%	7.0%	6.98%
EBITDA Margin	-1.3%	-1.7%	-2.5%	-2.4%	-4.0%	-1.6%	-1.6%	-2.1%	-79.2%	-52.1%	-32.1%	-36.2%	-0.9%	51.9%	-41.3%	3.4%	81.3%	5.6%	5.9%	10.9%	10.92%
FCF Margin	-2.2%	-1.6%	-1.9%	-1.5%	-1.4%	-1.5%	-1.2%	-1.1%	-66.1%	-66.3%	-33.4%	-19.1%	0.2%	12.3%	-1.0%	8.3%	-0.4%	1.2%	9.7%	13.4%	13.39%
OCF Margin	-2.0%	-1.3%	-1.6%	-1.3%	-1.1%	-1.3%	-1.0%	-76.7%	-40.9%	-44.1%	-15.3%	-13.6%	1.6%	12.8%	-1.5%	6.9%	-0.1%	2.0%	11.1%	14.1%	14.14%
ROE 3Y Avg	snapshot only																				-10.12%
ROE 5Y Avg	snapshot only																				-28.89%
ROA 3Y Avg	snapshot only																				-2.25%
ROIC Economic	snapshot only																				23.96%
Cash ROA	snapshot only																				3.09%
Cash ROIC	snapshot only																				1.00%
CROIC	snapshot only																				94.97%
NOPAT Margin	snapshot only																				23.92%
Pretax Margin	snapshot only																				24.27%
R&D / Revenue	snapshot only																				1.99%
SGA / Revenue	snapshot only																				18.85%
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	-5.83	-4.31	-4.59	-2.14	-1.28	-0.94	-1.12	-1.05	-0.64	-0.81	-1.85	-2.47	-3.33	-16.44	-12.16	-67.93	9.81	13.68	6.10	6.19	7.979
P/S Ratio	30.58	17.51	11.31	4.67	3.65	2.62	2.79	2.51	1.04	1.05	1.74	1.43	1.26	1.79	1.61	1.71	2.09	1.68	1.43	1.48	1.993
P/B Ratio	2.01	1.86	1.39	0.66	0.67	0.53	0.70	0.87	0.46	0.58	1.26	1.31	1.30	1.84	1.98	2.19	2.23	1.81	1.53	1.61	2.155
P/FCF	-13.73	-11.27	-6.03	-3.05	-2.69	-1.73	-2.41	-2.35	-1.58	-1.58	-5.19	-7.47	604.50	14.50	-155.72	20.71	-495.30	140.98	14.74	11.05	11.051
P/OCF	—	—	—	—	—	—	—	—	—	—	—	—	78.36	14.01	—	24.64	—	85.81	12.89	10.47	10.465
EV/EBITDA	-3.39	-2.29	-1.98	0.52	0.40	0.96	0.30	0.25	1.04	1.05	-0.23	-0.28	-0.96	-62.09	-9.79	31.43	6.60	9.35	1.88	2.79	2.785
EV/Revenue	17.22	8.92	4.54	-1.03	-1.07	-2.49	-0.69	-0.56	-1.53	-1.22	0.18	0.13	0.27	1.28	0.64	0.77	1.60	1.26	0.46	0.70	0.702
EV/EBIT	-3.31	-2.22	-1.88	0.49	0.38	0.92	0.28	0.24	0.98	0.98	-0.21	-0.25	-0.80	-17.39	-6.33	1089.48	6.97	9.35	1.88	2.89	2.894
EV/FCF	-7.73	-5.74	-2.42	0.67	0.78	1.65	0.59	0.52	2.31	1.84	-0.55	-0.70	129.35	10.42	-62.09	9.31	-380.03	105.67	4.69	5.25	5.247
Earnings Yield	-17.2%	-23.2%	-21.8%	-46.8%	-78.2%	-1.1%	-89.1%	-95.7%	-1.6%	-1.2%	-54.0%	-40.5%	-30.0%	-6.1%	-8.2%	-1.5%	10.2%	7.3%	16.4%	16.2%	16.17%
FCF Yield	-7.3%	-8.9%	-16.6%	-32.8%	-37.2%	-57.8%	-41.4%	-42.6%	-63.3%	-63.2%	-19.2%	-13.4%	0.2%	6.9%	-0.6%	4.8%	-0.2%	0.7%	6.8%	9.0%	9.05%
PEG Ratio	snapshot only																				0.006
Price/Tangible Book	snapshot only																				1.827
EV/OCF	snapshot only																				4.969
EV/Gross Profit	snapshot only																				1.490
Acquirers Multiple	snapshot only																				2.894
Shareholder Yield	snapshot only																				1.93%
Graham Number	snapshot only																				$42.46

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	7.21	6.30	—	—	—	—	—	—	—	—	—	—	1.76	1.36	—	—	0.36	0.35	1.17	0.34	0.343
Quick Ratio	7.21	6.30	—	—	—	—	—	—	—	—	—	—	1.76	1.36	—	—	0.36	0.35	1.17	0.34	0.343
Debt/Equity	0.00	0.00	0.02	0.03	0.03	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.16	0.13	0.12	0.11	0.11	0.109
Net Debt/Equity	-0.88	-0.91	-0.83	-0.81	-0.86	-1.04	-0.87	-1.06	-1.14	-1.26	-1.13	-1.19	-1.02	-0.52	-1.19	-1.20	-0.52	-0.45	-1.04	-0.85	-0.846
Debt/Assets	0.00	0.00	0.01	0.01	0.01	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.03	0.03	0.03	0.02	0.02	0.022
Debt/EBITDA	-0.00	-0.00	-0.07	-0.10	-0.07	-0.09	-0.09	-0.05	-0.06	-0.06	-0.06	-0.09	-0.12	-1.30	-0.34	5.19	0.49	0.83	0.44	0.40	0.396
Net Debt/EBITDA	2.63	2.20	2.96	2.85	1.77	1.97	1.51	1.38	1.76	1.96	1.92	2.76	3.53	24.36	14.77	-38.46	-2.00	-3.12	-4.03	-3.08	-3.081
Interest Coverage	-2.77	-5.34	-3.01	-5.23	-7.47	-325.20	—	—	—	—	—	—	—	—	—	—	—	—	—	205.17	205.167
Equity Multiplier	1.84	1.91	2.08	2.18	2.57	2.66	2.98	3.77	4.05	4.03	4.26	4.68	4.73	4.26	4.77	5.13	4.45	4.37	4.60	4.98	4.980
Cash Ratio	snapshot only																				0.256
Debt Service Coverage	snapshot only																				213.167
Cash to Debt	snapshot only																				8.773
FCF to Debt	snapshot only																				1.339
Defensive Interval	snapshot only																				1901.1 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	0.04	0.06	0.07	0.11	0.07	0.07	0.08	0.09	0.11	0.14	0.16	0.19	0.21	0.24	0.26	0.26	0.26	0.27	0.27	0.25	0.252
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	0.17	0.28	0.49	0.57	0.30	0.33	0.32	0.36	0.41	0.50	0.57	0.62	1.28	1.43	0.84	0.86	1.43	5.03	0.81	1.47	1.470
Payables Turnover	0.49	0.46	0.81	0.92	0.51	0.63	0.59	0.70	0.75	0.88	0.95	0.91	0.97	1.35	1.50	1.31	1.28	1.11	0.91	0.75	0.746
DSO	2094	1293	753	635	1219	1107	1152	1022	896	726	637	585	285	255	434	425	255	73	449	248	248.4 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	744	800	453	399	710	577	620	519	485	416	386	401	375	270	244	278	285	329	403	489	489.4 days
Cash Conversion Cycle	1350	493	300	237	509	530	532	503	411	310	251	184	-90	-15	190	148	-30	-256	46	-241	-241.1 days
Fixed Asset Turnover	snapshot only																				15.752
Cash Velocity	snapshot only																				1.140
Capital Intensity	snapshot only																				4.571

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	—	—	4.8%	1.8%	95.9%	31.1%	36.6%	44.5%	56.0%	75.2%	88.9%	92.8%	84.9%	77.4%	55.8%	43.1%	34.5%	25.9%	20.8%	19.3%	19.34%
Net Income	—	—	-24.8%	16.8%	-6.6%	10.2%	-37.7%	-59.0%	11.2%	18.1%	28.8%	53.6%	56.8%	85.2%	78.0%	93.8%	1.8%	2.4%	3.1%	12.3%	12.34%
EPS	—	—	14.0%	43.1%	27.8%	11.9%	-33.4%	-53.9%	14.6%	21.9%	31.8%	56.0%	59.1%	85.6%	78.7%	94.1%	1.7%	2.3%	3.0%	12.1%	12.11%
FCF	—	—	-7.6%	-1.1%	-19.5%	-27.7%	15.8%	-1.0%	24.0%	23.2%	45.4%	65.6%	1.0%	1.3%	95.2%	1.6%	-3.7%	-87.8%	12.4%	93.4%	93.45%
EBITDA	—	—	-17.6%	21.9%	-3.1%	12.9%	-37.5%	-60.6%	14.4%	21.7%	33.7%	59.4%	64.5%	96.8%	87.4%	1.1%	2.2%	9.2%	5.5%	11.3%	11.30%
Op. Income	—	—	-22.5%	18.5%	-5.2%	11.4%	-36.9%	-58.7%	12.6%	19.3%	30.4%	55.8%	59.9%	89.5%	82.3%	1.0%	1.9%	3.3%	3.9%	409.3%	409.33%
OCF Growth	snapshot only																				1.43%
Asset Growth	snapshot only																				35.89%
Equity Growth	snapshot only																				40.03%
Debt Growth	snapshot only																				-6.11%
Shares Change	snapshot only																				2.03%

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	—	—	—	—	—	—	—	—	—	—	1.5%	98.6%	78.1%	59.7%	59.0%	58.6%	57.1%	57.6%	52.6%	48.8%	48.78%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	95.0%	68.0%	68.00%
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	79.9%	53.1%	—	—	—	—
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	11.3%	87.0%	-2.3%	-2.1%	-2.7%	1.5%	4.8%	6.7%	8.7%	11.3%	11.32%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	13.7%	58.6%	58.62%
Equity 3Y	—	—	—	—	—	—	—	—	—	—	67.8%	16.4%	-28.7%	-25.0%	-26.3%	-23.7%	-12.8%	-9.6%	-5.9%	1.5%	1.47%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	44.5%	-0.3%	-39.3%	-27.4%	-28.8%	-27.2%	-16.5%	-13.4%	-9.8%	-2.7%	-2.73%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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	—	—	—	—	—	—	0.95	0.99	1.00	0.92	0.96	0.94	0.94	0.91	0.94	0.96	0.98	0.99	0.97	0.97	0.972
Earnings Stability	—	—	—	—	—	—	0.97	0.42	0.20	0.98	0.24	0.08	0.66	0.84	0.20	0.50	0.79	0.92	0.53	0.71	0.712
Margin Stability	—	—	—	—	—	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
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	0.00	0.50	0.00	0.00	0.50	1.00	0.50	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	1	0	1	0
Earnings Persistence	—	—	—	—	—	—	0.85	0.50	0.96	0.93	0.88	0.50	0.50	0.50	0.50	0.50	0.20	0.20	0.20	0.20	0.200
Earnings Smoothness	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
ROE Trend	—	—	—	—	—	—	0.84	0.01	-0.29	-0.22	-0.22	0.04	0.23	0.53	0.49	0.65	0.78	0.55	0.67	0.54	0.543
Gross Margin Trend	—	—	—	—	—	—	-0.02	-0.13	-0.05	-0.08	-0.04	0.17	0.15	0.09	0.04	0.18	0.12	0.35	0.45	0.40	0.401
FCF Margin Trend	—	—	—	—	—	—	0.41	0.72	1.13	0.87	1.18	1.11	1.01	1.21	0.73	0.71	0.33	0.28	0.27	0.19	0.188
Sustainable Growth Rate	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	25.6%	14.5%	29.2%	30.4%	30.40%
Internal Growth Rate	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.9%	3.5%	6.7%	6.4%	6.41%

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	0.38	0.31	0.66	0.58	0.39	0.48	0.41	0.32	0.25	0.34	0.16	0.23	-0.04	-1.17	0.11	-2.76	-0.00	0.16	0.47	0.59	0.591
FCF/OCF	1.11	1.22	1.16	1.20	1.22	1.12	1.13	1.39	1.62	1.51	2.18	1.41	0.13	0.97	0.71	1.19	4.75	0.61	0.87	0.95	0.947
FCF/Net Income	snapshot only																				0.560
OCF/EBITDA	snapshot only																				0.561
CapEx/Revenue	21.5%	27.7%	25.8%	25.5%	24.8%	16.5%	12.9%	30.2%	25.2%	22.3%	18.1%	5.5%	1.4%	0.4%	0.4%	1.3%	0.3%	0.8%	1.4%	0.7%	0.75%
CapEx/Depreciation	snapshot only																				0.792
Accruals Ratio	-0.12	-0.16	-0.06	-0.10	-0.12	-0.11	-0.12	-0.15	-0.13	-0.12	-0.13	-0.08	-0.08	-0.06	-0.03	-0.02	0.06	0.03	0.03	0.02	0.025
Sloan Accruals	snapshot only																				-0.570
Cash Flow Adequacy	snapshot only																				18.868
Earnings Quality Score	snapshot only																				0.500

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	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%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	—	—	—	—	—	—	—	—	—	—	—	—	0.0%	0.0%	—	0.0%	—	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	31.4%	25.1%	12.9%	12.0%	11.95%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.5%	1.0%	0.8%	0.4%	0.0%	0.0%	2.3%	2.4%	2.1%	3.2%	1.8%	2.1%	1.9%	1.93%
Net Buyback Yield	-0.1%	-0.2%	-0.2%	-0.5%	-0.0%	-0.0%	-0.0%	-0.1%	-0.3%	-0.5%	-0.5%	-0.7%	-0.8%	1.3%	1.4%	1.2%	2.5%	1.4%	1.6%	1.5%	1.45%
Total Shareholder Return	-0.1%	-0.2%	-0.2%	-0.5%	-0.0%	-0.0%	-0.0%	-0.1%	-0.3%	-0.5%	-0.5%	-0.7%	-0.8%	1.3%	1.4%	1.2%	2.5%	1.4%	1.6%	1.5%	1.45%

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)	1.01	1.01	1.02	1.03	1.02	1.03	1.03	1.03	1.04	1.04	1.05	1.08	1.12	1.47	1.31	-35.67	0.93	0.91	0.97	0.99	0.985
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	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	-5.20	-4.02	-2.41	-2.13	-2.79	-2.72	-2.42	-2.34	-1.57	-1.25	-0.89	-0.54	-0.34	-0.07	-0.10	0.00	0.23	0.14	0.24	0.24	0.243
Asset Turnover	0.04	0.06	0.07	0.11	0.07	0.07	0.08	0.09	0.11	0.14	0.16	0.19	0.21	0.24	0.26	0.26	0.26	0.27	0.27	0.25	0.252
Equity Multiplier	1.84	1.91	3.14	1.95	2.14	2.22	2.44	2.77	3.14	3.20	3.49	4.15	4.35	4.15	4.51	4.91	4.57	4.32	4.67	5.04	5.043

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)	$-20.07	$-16.43	$-10.85	$-10.28	$-14.49	$-14.47	$-14.47	$-15.82	$-12.38	$-11.31	$-9.86	$-6.97	$-5.07	$-1.63	$-2.10	$-0.41	$3.68	$2.20	$4.27	$4.57	$4.57
Book Value/Share	$58.25	$38.03	$35.86	$33.08	$27.80	$25.61	$23.20	$19.05	$17.15	$15.65	$14.50	$13.10	$13.02	$14.56	$12.92	$12.78	$16.20	$16.62	$17.03	$17.54	$17.77
Tangible Book/Share	$51.24	$33.10	$30.78	$27.93	$24.97	$22.76	$20.32	$16.12	$14.18	$12.51	$11.40	$10.06	$12.07	$11.94	$10.38	$10.41	$13.99	$16.09	$13.84	$15.46	$15.46
Revenue/Share	$3.83	$4.04	$4.40	$4.71	$5.08	$5.20	$5.82	$6.58	$7.63	$8.68	$10.53	$12.05	$13.35	$14.96	$15.91	$16.33	$17.29	$17.85	$18.21	$19.10	$19.36
FCF/Share	$-8.52	$-6.28	$-8.24	$-7.20	$-6.90	$-7.87	$-6.72	$-7.04	$-5.04	$-5.76	$-3.52	$-2.30	$0.03	$1.85	$-0.16	$1.35	$-0.07	$0.21	$1.77	$2.56	$2.59
OCF/Share	$-7.70	$-5.16	$-7.11	$-6.00	$-5.64	$-7.01	$-5.97	$-5.05	$-3.12	$-3.83	$-1.61	$-1.64	$0.22	$1.91	$-0.23	$1.13	$-0.02	$0.35	$2.02	$2.70	$2.74
Cash/Share	$51.11	$34.72	$30.52	$27.79	$24.87	$27.80	$21.42	$20.92	$20.29	$20.33	$16.88	$16.09	$13.71	$7.95	$15.73	$17.45	$10.46	$9.53	$19.72	$16.75	$16.98
EBITDA/Share	$-19.41	$-15.76	$-10.07	$-9.42	$-13.56	$-13.46	$-13.41	$-14.65	$-11.17	$-10.05	$-8.52	$-5.64	$-3.76	$-0.31	$-1.04	$0.40	$4.20	$2.41	$4.41	$4.82	$4.82
Debt/Share	$0.00	$0.00	$0.74	$0.96	$0.93	$1.25	$1.20	$0.74	$0.67	$0.61	$0.55	$0.50	$0.44	$0.40	$0.36	$2.08	$2.04	$2.00	$1.95	$1.91	$1.91
Net Debt/Share	$-51.11	$-34.72	$-29.78	$-26.83	$-23.94	$-26.55	$-20.22	$-20.19	$-19.62	$-19.72	$-16.33	$-15.59	$-13.27	$-7.54	$-15.37	$-15.37	$-8.41	$-7.53	$-17.77	$-14.84	$-14.84

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.395
Altman Z-Prime	snapshot only																				-4.138
Piotroski F-Score	2	2	5	3	3	3	3	3	5	5	5	5	6	5	4	5	4	5	5	6	6
Beneish M-Score	—	—	-1.83	-2.06	2.85	1.77	-2.62	-3.01	-3.26	-2.88	-36.87	1.90	-3.35	-4.01	-2.95	-2.96	0.35	-3.33	-2.96	-3.10	-3.100
Ohlson O-Score	snapshot only																				-5.068
Net-Net WC	snapshot only																				$-47.36
EVA	snapshot only																				$114150000.00

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																				A-
Credit Score	57.76	58.71	34.53	26.09	22.59	21.61	30.77	30.65	30.62	29.97	29.93	29.89	37.45	41.60	29.36	46.09	38.99	39.55	58.52	65.68	65.681
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				19.588
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				26
Sector Credit Rank	snapshot only																				67

HIPO 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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