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.

★ ★ ★ ★ ★ 52 Grade C

Profitability

48

Balance Sheet

71

Earnings Quality

79

Growth

2

Value

62

Momentum

40

Safety

100

Cash Flow

91

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. HQGE scores highest in Safety (100/100) and lowest in Growth (2/100). 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

20.54

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✓ ✗ ✗ ✗ ✓ ✗

Beneish M-Score

-13.63

Unlikely Manipulator

Ohlson O-Score

-43.00

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 96.7/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 1.71x

Accruals: -10.6%

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. HQGE scores 20.54, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. HQGE 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. HQGE's score of -13.63 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. HQGE's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. HQGE receives an estimated rating of AAA (score: 96.7/100), 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). HQGE's score of 75/100 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

-35.62x

PEG

-0.36x

P/S

737.14x

P/B

0.18x

P/FCF

2.27x

P/OCF

1.30x

EV/EBITDA

1.99x

EV/Revenue

0.69x

EV/EBIT

2.24x

EV/FCF

2.29x

Earnings Yield

44.95%

FCF Yield

44.02%

Shareholder Yield

0.00%

Graham Number

$0.00

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. HQGE currently has negative earnings — the P/E ratio is not meaningful. An earnings yield of 44.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $0.00 per share, suggesting a potential 3070% 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

1.000

NI / EBT

×

Interest Burden

0.998

EBT / EBIT

×

EBIT Margin

0.310

EBIT / Rev

×

Asset Turnover

0.482

Rev / Assets

×

Equity Multiplier

1.139

Assets / Equity

=

ROE

17.0%

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. HQGE's ROE of 17.0% is driven by Asset Turnover (0.482), indicating efficient use of assets to generate revenue. 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$0.01

Price/Value

0.26x

Margin of Safety

73.82%

Premium

-73.82%

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 HQGE's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. HQGE trades at a -74% premium to its adjusted intrinsic value of $0.01, 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 -35.6x.

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

$0.00

Median 1Y

$0.00

5th Pctile

$0.00

95th Pctile

$0.00

Ann. Volatility

1863.9%

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

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
ROE	14.3%	18.2%	27.4%	33.4%	35.0%	33.1%	29.7%	42.6%	22.9%	17.0%	16.98%
ROA	11.5%	15.9%	22.3%	27.9%	28.9%	28.9%	24.5%	35.8%	19.4%	14.9%	14.91%
ROIC	20.3%	19.9%	33.1%	40.3%	34.8%	29.6%	29.7%	2.5%	1.5%	1.1%	1.13%
ROCE	14.2%	18.0%	27.4%	33.6%	27.8%	26.3%	24.1%	2.4%	1.5%	1.2%	1.16%
Gross Margin	37.3%	31.6%	39.0%	44.8%	35.7%	33.2%	36.5%	1.0%	—	1.0%	1.00%
Operating Margin	32.5%	19.2%	33.3%	37.4%	29.7%	18.4%	31.2%	77.6%	—	-33.4%	-33.39%
Net Margin	32.2%	18.6%	33.0%	37.1%	29.6%	17.2%	31.0%	77.6%	—	-33.4%	-33.39%
EBITDA Margin	35.4%	30.9%	36.6%	42.5%	33.8%	25.2%	35.1%	77.6%	—	-33.4%	-33.39%
FCF Margin	38.8%	-5.6%	6.8%	6.8%	-9.8%	6.0%	7.6%	7.9%	22.1%	30.3%	30.29%
OCF Margin	43.7%	32.5%	39.2%	40.7%	33.9%	34.0%	35.3%	32.5%	39.1%	52.9%	52.95%
ROE 3Y Avg	snapshot only										53.86%
ROA 3Y Avg	snapshot only										48.25%
ROIC 3Y Avg	snapshot only										52.81%
ROIC Economic	snapshot only										1.13%
Cash ROA	snapshot only										1.79%
Cash ROIC	snapshot only										1.93%
CROIC	snapshot only										1.11%
NOPAT Margin	snapshot only										31.04%
Pretax Margin	snapshot only										30.92%
R&D / Revenue	snapshot only										0.00%
SGA / Revenue	snapshot only										5.76%
SBC / Revenue	snapshot only										0.00%

Valuation

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
P/E Ratio	24.98	22.09	11.02	4.73	5.33	0.89	0.59	5.04	3.10	2.22	-35.623
P/S Ratio	8.04	6.01	3.24	1.47	1.62	0.27	0.17	1.39	0.81	0.69	737.135
P/B Ratio	3.58	4.02	3.02	1.58	1.55	0.24	0.15	12.22	4.65	2.58	0.180
P/FCF	20.71	-108.06	47.71	21.58	-16.50	4.45	2.30	17.70	3.68	2.27	2.272
P/OCF	18.40	18.49	8.26	3.62	4.76	0.79	0.49	4.28	2.08	1.30	1.299
EV/EBITDA	20.87	17.47	8.79	3.60	4.02	0.57	0.04	4.27	2.58	1.99	1.987
EV/Revenue	7.38	5.89	3.06	1.32	1.45	0.20	0.01	1.39	0.82	0.69	0.695
EV/EBIT	22.77	21.48	10.33	4.20	4.75	0.66	0.05	5.02	3.10	2.24	2.243
EV/FCF	19.01	-105.95	45.08	19.30	-14.81	3.35	0.18	17.69	3.70	2.29	2.294
Earnings Yield	4.0%	4.5%	9.1%	21.2%	18.8%	1.1%	1.7%	19.8%	32.3%	44.9%	44.95%
FCF Yield	4.8%	-0.9%	2.1%	4.6%	-6.1%	22.5%	43.5%	5.6%	27.2%	44.0%	44.02%
Price/Tangible Book	snapshot only										2.778
EV/OCF	snapshot only										1.312
EV/Gross Profit	snapshot only										1.885
Acquirers Multiple	snapshot only										2.235
Shareholder Yield	snapshot only										0.00%
Graham Number	snapshot only										$0.00

Leverage & Solvency

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Current Ratio	3.23	3.09	2.34	2.77	3.67	4.50	3.01	0.18	0.20	0.19	0.190
Quick Ratio	3.19	2.95	2.29	2.70	3.61	4.41	2.97	0.18	0.20	0.19	0.190
Debt/Equity	0.05	0.05	0.04	0.04	0.02	0.02	0.02	0.00	0.04	0.04	0.037
Net Debt/Equity	-0.29	-0.08	-0.17	-0.17	-0.16	-0.06	-0.14	-0.01	0.02	0.03	0.025
Debt/Assets	0.04	0.04	0.03	0.03	0.02	0.02	0.02	0.00	0.03	0.03	0.033
Debt/EBITDA	0.33	0.22	0.13	0.10	0.07	0.07	0.07	0.00	0.02	0.03	0.028
Net Debt/EBITDA	-1.86	-0.35	-0.51	-0.42	-0.46	-0.19	-0.46	-0.00	0.01	0.02	0.019
Interest Coverage	144.34	118.89	131.77	136.21	151.78	152.26	202.50	234.38	235.25	657.92	657.916
Equity Multiplier	1.25	1.15	1.23	1.20	1.19	1.14	1.20	1.07	1.11	1.11	1.106
Cash Ratio	snapshot only										0.107
Debt Service Coverage	snapshot only										742.728
Cash to Debt	snapshot only										0.311
FCF to Debt	snapshot only										30.983
Defensive Interval	snapshot only										19.3 days

Efficiency & Turnover

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Asset Turnover	0.36	0.58	0.76	0.90	0.95	0.96	0.83	1.30	0.74	0.48	0.482
Inventory Turnover	32.52	26.12	60.21	49.48	90.86	61.81	87.00	81.69	82.28	52.23	52.231
Receivables Turnover	1.56	3.01	4.16	5.15	5.01	5.73	5.05	8.13	4.87	3.47	3.466
Payables Turnover	5.53	7.73	13.49	22.91	19.77	14.69	19.56	30.97	18.79	8.35	8.352
DSO	234	121	88	71	73	64	72	45	75	105	105.3 days
DIO	11	14	6	7	4	6	4	4	4	7	7.0 days
DPO	66	47	27	16	18	25	19	12	19	44	43.7 days
Cash Conversion Cycle	179	88	67	62	58	45	58	38	60	69	68.6 days
Fixed Asset Turnover	snapshot only										3.659
Operating Cycle	snapshot only										112.3 days
Cash Velocity	snapshot only										328.777
Capital Intensity	snapshot only										0.295

Growth (YoY)

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Revenue	—	—	—	—	2.2%	1.0%	29.7%	-21.1%	-50.8%	-67.6%	-67.61%
Net Income	—	—	—	—	2.1%	1.3%	30.7%	-30.1%	-57.4%	-66.8%	-66.80%
EPS	—	—	—	—	2.1%	1.1%	30.7%	-99.7%	-99.8%	-99.9%	-99.86%
FCF	—	—	—	—	-1.8%	3.2%	44.7%	-9.1%	2.1%	63.3%	63.30%
EBITDA	—	—	—	—	2.3%	1.1%	29.1%	-29.8%	-56.8%	-67.8%	-67.77%
Op. Income	—	—	—	—	2.1%	1.3%	30.5%	-29.9%	-57.0%	-67.1%	-67.07%
OCF Growth	snapshot only										-49.60%
Asset Growth	snapshot only										-92.33%
Equity Growth	snapshot only										-92.09%
Debt Growth	snapshot only										-87.39%
Shares Change	snapshot only										233.54%

Growth Quality

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.07	0.05	0.055
Earnings Stability	—	—	—	—	—	—	—	—	0.02	0.02	0.023
Margin Stability	—	—	—	—	—	—	—	—	0.97	0.96	0.958
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0	0	0	1	1	0	1	0
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	0.00	0.22	0.73	0.65	0.19	0.00	0.000
ROE Trend	—	—	—	—	—	—	—	—	1.28	0.93	0.929
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.02	0.00	0.001
FCF Margin Trend	—	—	—	—	—	—	—	—	0.08	0.30	0.301
Sustainable Growth Rate	14.3%	18.2%	27.4%	33.4%	35.0%	33.1%	29.7%	42.6%	22.9%	17.0%	16.98%
Internal Growth Rate	13.0%	18.9%	28.8%	38.6%	40.6%	40.7%	32.5%	55.9%	24.1%	17.5%	17.52%

Cash Flow Quality

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
OCF/Net Income	1.36	1.19	1.33	1.31	1.12	1.13	1.19	1.18	1.49	1.71	1.712
FCF/OCF	0.89	-0.17	0.17	0.17	-0.29	0.18	0.21	0.24	0.56	0.57	0.572
FCF/Net Income	snapshot only										0.979
OCF/EBITDA	snapshot only										1.514
CapEx/Revenue	4.9%	38.1%	32.4%	33.9%	43.7%	28.0%	27.8%	24.6%	17.0%	22.7%	22.66%
CapEx/Depreciation	snapshot only										4.494
Accruals Ratio	-0.04	-0.03	-0.07	-0.09	-0.03	-0.04	-0.05	-0.06	-0.10	-0.11	-0.106
Sloan Accruals	snapshot only										-0.515
Cash Flow Adequacy	snapshot only										2.336
Earnings Quality Score	snapshot only										0.750

Dividends & Buybacks

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Dividend Yield	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
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	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%	0.0%	0.0%	0.00%
Total Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Shareholder Return	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%

DuPont Factors

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	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	1.000
Interest Burden (EBT/EBIT)	0.99	0.99	0.99	0.99	0.99	0.99	1.00	1.00	1.00	1.00	0.998
EBIT Margin	0.32	0.27	0.30	0.31	0.31	0.30	0.30	0.28	0.26	0.31	0.310
Asset Turnover	0.36	0.58	0.76	0.90	0.95	0.96	0.83	1.30	0.74	0.48	0.482
Equity Multiplier	1.25	1.15	1.23	1.20	1.21	1.14	1.21	1.19	1.18	1.14	1.139

Per Share

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
EPS (Diluted TTM)	$0.17	$0.24	$0.39	$0.53	$0.51	$0.51	$0.51	$0.00	$0.00	$0.00	$0.00
Book Value/Share	$1.17	$1.34	$1.42	$1.59	$1.76	$1.84	$2.01	$0.00	$0.00	$0.00	$0.00
Tangible Book/Share	$1.14	$1.28	$1.36	$1.52	$1.55	$1.62	$1.79	$0.00	$0.00	$0.00	$0.00
Revenue/Share	$0.52	$0.90	$1.33	$1.71	$1.70	$1.68	$1.72	$0.01	$0.00	$0.00	$0.00
FCF/Share	$0.20	$-0.05	$0.09	$0.12	$-0.17	$0.10	$0.13	$0.00	$0.00	$0.00	$-0.00
OCF/Share	$0.23	$0.29	$0.52	$0.69	$0.58	$0.57	$0.61	$0.00	$0.00	$0.00	$-0.00
Cash/Share	$0.41	$0.17	$0.30	$0.32	$0.32	$0.15	$0.32	$0.00	$0.00	$0.00	$0.00
EBITDA/Share	$0.18	$0.30	$0.46	$0.62	$0.61	$0.59	$0.60	$0.00	$0.00	$0.00	$0.00
Debt/Share	$0.06	$0.07	$0.06	$0.06	$0.04	$0.04	$0.04	$0.00	$0.00	$0.00	$0.00
Net Debt/Share	$-0.34	$-0.11	$-0.24	$-0.26	$-0.28	$-0.11	$-0.28	$-0.00	$0.00	$0.00	$0.00

Academic Models

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	20.540
Altman Z-Prime	snapshot only										30.201
Piotroski F-Score	4	4	4	4	8	8	8	7	3	4	4
Beneish M-Score	—	—	—	—	-0.95	-1.86	-1.89	-9.77	—	-13.63	-13.632
Ohlson O-Score	snapshot only										-42.999
ROIC (Greenblatt)	snapshot only										1.24%
Net-Net WC	snapshot only										$-0.00
EVA	snapshot only										$5094028.42

Credit

Metric	Q3'10	Q4'10	Q1'11	Q2'11	Q3'11	Q4'11	Q1'12	Q2'21	Q3'21	Q4'21	Current
Credit Rating	snapshot only										AAA
Credit Score	97.59	92.38	97.06	97.39	93.73	94.16	86.17	96.95	96.88	96.72	96.720
Credit Grade	snapshot only										1
Credit Trend	snapshot only										2.557
Implied Spread (bps)	snapshot only										50.000
Industry Credit Rank	snapshot only										95
Sector Credit Rank	snapshot only										92

HQGE OTC

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

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