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IMXI NASDAQ

International Money Express, Inc.
1W: +2.3% 1M: -20.0% 3M: -18.8% YTD: -25.0% 1Y: -17.4% 3Y: -31.9% 5Y: -29.4%
$11.51
+0.02 (+0.17%)
 
Weekly Expected Move ±7.1%
$10 $11 $12 $12 $13
NASDAQ · Technology · Software - Infrastructure · Tech Score Strong Sell · Power 27 · $346.4M mcap · 26M float · 2.07% daily turnover · Short 39% 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.

NO EDGE
30.2 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: -24.9%  ·  5Y Avg: 41.1%
Cost Advantage ★
54
Intangibles
21
Switching Cost
21
Network Effect
19
Scale
40
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. IMXI has No discernible competitive edge (30.2/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. Negative ROIC of -24.9% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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: 6Hold: 7Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$—
Analysts0
Consensus Change History
DateFieldFromTo
2026-06-22 consensus Buy Hold
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2024-09-04 Monness Gus Gala Initiated $30 — +66.9% $17.97
2024-08-08 BMO Capital Rufus Hone $30 $26 -4 +44.4% $18.01
2024-06-03 BTIG Andrew Harte Initiated $25 — +19.8% $20.86
2024-05-09 BMO Capital Rufus Hone Initiated $30 — +44.1% $20.83

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
5
ROE
3
ROA
4
D/E
1
P/E
2
P/B
3
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. IMXI receives an overall rating of B+. Strongest factors: DCF (5/5), ROA (4/5). Areas of concern: D/E (1/5), P/E (2/5).
Rating Change History
DateFromTo
2026-08-24 B B+
2026-08-20 B+ B
2026-08-11 A- B+
2026-08-10 B+ A-
2026-07-01 A- B+
2026-05-13 B+ A-
2026-05-11 A- B+
2026-04-24 B+ A-
2026-03-10 C- B+
2026-03-09 C C-

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 34 Grade B
Profitability
30
Balance Sheet
73
Earnings Quality
73
Growth
1
Value
36
Momentum
40
Safety
90
Cash Flow
32
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. IMXI scores highest in Safety (90/100) and lowest in Growth (1/100). 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
3.52
Safe Zone
Piotroski F-Score
5/9
✓ ✓ ✗ ✓ ✓ ✓ ✗ ✗ ✗
Beneish M-Score
-2.93
Unlikely Manipulator
Ohlson O-Score
-6.14
Bankruptcy prob: 0.2%
Low Risk
Credit Rating
A-
Score: 68.9/100
Trend: Deteriorating
Earnings Quality
100/100
OCF/NI: 1.67x
Accruals: -2.6%
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. IMXI scores 3.52, 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. IMXI scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. IMXI's score of -2.93 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. IMXI's implied 0.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. IMXI receives an estimated rating of A- (score: 68.9/100), 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). IMXI'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
18.35x
PEG
-0.30x
P/S
0.77x
P/B
2.04x
P/FCF
50.02x
P/OCF
14.24x
EV/EBITDA
7.58x
EV/Revenue
0.94x
EV/EBIT
11.29x
EV/FCF
48.30x
Earnings Yield
4.21%
FCF Yield
2.00%
Shareholder Yield
0.00%
Graham Number
$8.71
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 18.4x earnings, IMXI trades at a reasonable valuation. Graham's intrinsic value formula yields $8.71 per share, 32% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden
0.683
NI / EBT
×
Interest Burden
0.721
EBT / EBIT
×
EBIT Margin
0.084
EBIT / Rev
×
Asset Turnover
0.934
Rev / Assets
×
Equity Multiplier
3.103
Assets / Equity
=
ROE
11.9%
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. IMXI's ROE of 11.9% is driven by financial leverage (equity multiplier: 3.10x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

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
$5.17
Price/Value
2.80x
Margin of Safety
-179.59%
Premium
179.59%
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 IMXI's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. IMXI trades at a 180% premium to its adjusted intrinsic value of $5.17, 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 18.4x.

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
$11.51
Median 1Y
$10.19
5th Pctile
$4.77
95th Pctile
$21.72
Ann. Volatility
45.3%
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

ExecutiveSalaryStockTotal
Robert Lisy
Chief Executive Officer and President
$1,000,000 $4,200,000 $6,042,098
Andras Bende Financial
ancial Officer
$500,000 $900,000 $1,625,516
Christopher Hunt Operating
rating Officer
$406,250 $700,000 $1,266,219
Joseph Aguilar Manager
nt and General Manager - Latin America
$440,000 $600,000 $1,209,585
Robert Pargac Legal
Legal Officer and Secretary
$245,723 $400,000 $788,895

CEO Pay Ratio

63:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $6,042,098
Avg Employee Cost (SGA/emp): $95,540
Employees: 531

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
531
+1.5% YoY
Revenue / Employee
$980,444
Rev: $520,616,000
Profit / Employee
$61,527
NI: $32,671,000
SGA / Employee
$95,540
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 Trend 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 40.4% 39.5% 38.3% 37.2% 41.4% 39.1% 37.2% 36.6% 36.4% 39.8% 40.7% 39.9% 40.7% 41.4% 39.3% 36.2% 26.8% 22.1% 16.8% 11.9% 11.94%
ROA 15.1% 15.6% 15.6% 15.8% 16.0% 13.4% 14.7% 12.7% 10.8% 10.9% 12.2% 10.1% 11.1% 11.3% 10.5% 9.1% 8.2% 6.7% 4.8% 3.8% 3.85%
ROIC 51.6% 53.6% 63.6% 42.0% 36.7% 33.4% 31.8% 28.0% 38.0% 53.2% 64.8% 45.2% 46.2% 36.1% 39.5% 44.4% 26.2% -6.6% -12.2% -24.9% -24.89%
ROCE 30.7% 32.1% 32.0% 32.9% 30.9% 25.3% 30.8% 23.7% 23.9% 27.0% 31.0% 25.8% 32.7% 31.6% 30.5% 29.5% 22.1% 15.6% 11.4% 12.5% 12.45%
Gross Margin 32.6% 31.3% 32.9% 32.8% 33.5% 33.9% 33.9% 34.4% 34.5% 24.6% 22.9% 33.9% 90.0% 31.8% 22.3% 36.5% 36.3% -1.8% 2.8% 34.5% 34.55%
Operating Margin 13.3% 14.9% 14.9% 16.9% 14.7% 14.1% 13.0% 14.6% 14.1% 16.1% 13.0% 13.4% 16.2% 15.0% 9.8% 12.1% 6.8% -1.1% -10.9% 6.7% 6.67%
Net Margin 9.5% 10.3% 10.2% 11.7% 11.8% 8.5% 8.1% 9.1% 8.6% 10.2% 8.0% 8.2% 10.1% 9.3% 5.4% 6.8% 3.2% 14.8% 0.5% 3.2% 3.21%
EBITDA Margin 17.0% 18.4% 16.8% 18.6% 16.4% 15.9% 15.0% 16.5% 16.1% 18.1% 15.2% 15.3% 18.1% 19.2% 12.3% 14.8% 9.6% 32.4% 7.9% 10.3% 10.33%
FCF Margin 5.0% 14.7% 27.3% -0.3% -1.3% 0.5% -4.7% 0.1% 15.1% 19.8% 25.1% 21.6% 13.2% 3.5% 3.7% 13.4% 4.3% 3.0% -13.1% 2.0% 1.96%
OCF Margin 6.5% 17.0% 30.0% 2.5% 1.5% 2.8% -2.9% 1.7% 16.8% 21.8% 28.7% 25.8% 17.9% 8.1% 7.1% 16.4% 7.6% 7.1% -8.7% 6.9% 6.87%
ROE 3Y Avg snapshot only 29.40%
ROE 5Y Avg snapshot only 31.71%
ROA 3Y Avg snapshot only 7.87%
ROIC 3Y Avg snapshot only 16.42%
ROIC Economic snapshot only -12.98%
Cash ROA snapshot only 6.91%
Cash ROIC snapshot only 20.12%
CROIC snapshot only 5.73%
NOPAT Margin snapshot only -8.50%
Pretax Margin snapshot only 6.03%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 24.02%
SBC / Revenue snapshot only 1.67%
Valuation
Metric Trend 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 15.16 13.37 16.26 15.36 15.26 16.06 16.77 15.90 11.09 13.15 13.04 11.79 9.93 11.12 7.14 5.87 10.65 14.19 18.89 23.77 18.354
P/S Ratio 1.52 1.36 1.68 1.61 1.69 1.68 1.67 1.48 0.95 1.19 1.18 1.04 0.91 0.99 0.60 0.47 0.67 0.89 1.00 0.98 0.766
P/B Ratio 4.96 4.38 5.27 5.01 6.04 6.14 6.18 6.00 3.88 5.25 5.65 4.84 4.27 4.85 2.79 2.12 2.78 2.88 2.95 2.61 2.044
P/FCF 30.68 9.28 6.16 -477.70 -131.19 306.87 -35.77 1674.93 6.32 5.99 4.69 4.80 6.89 28.33 16.01 3.51 15.46 29.39 -7.61 50.02 50.022
P/OCF 23.27 8.02 5.60 64.93 116.07 60.69 — 85.15 5.68 5.45 4.10 4.01 5.08 12.32 8.43 2.86 8.75 12.57 — 14.24 14.241
EV/EBITDA 8.16 7.09 8.67 8.73 9.83 10.34 10.58 10.06 6.04 7.01 6.82 6.44 5.51 6.31 3.83 2.82 5.06 6.72 8.57 7.58 7.575
EV/Revenue 1.43 1.26 1.53 1.55 1.73 1.75 1.74 1.61 0.96 1.15 1.12 1.04 0.92 1.07 0.63 0.46 0.71 0.98 1.19 0.94 0.945
EV/EBIT 9.38 8.03 9.74 9.75 10.93 11.52 11.86 11.36 6.87 7.95 7.76 7.35 6.26 7.18 4.41 3.29 6.20 8.68 11.79 11.29 11.291
EV/FCF 28.76 8.54 5.62 -460.61 -134.33 318.28 -37.27 1812.26 6.37 5.81 4.49 4.83 6.98 30.55 16.81 3.42 16.56 32.42 -9.07 48.30 48.302
Earnings Yield 6.6% 7.5% 6.1% 6.5% 6.6% 6.2% 6.0% 6.3% 9.0% 7.6% 7.7% 8.5% 10.1% 9.0% 14.0% 17.0% 9.4% 7.0% 5.3% 4.2% 4.21%
FCF Yield 3.3% 10.8% 16.2% -0.2% -0.8% 0.3% -2.8% 0.1% 15.8% 16.7% 21.3% 20.8% 14.5% 3.5% 6.2% 28.5% 6.5% 3.4% -13.1% 2.0% 2.00%
Price/Tangible Book snapshot only 4.797
EV/OCF snapshot only 13.752
Shareholder Yield snapshot only 0.00%
Graham Number snapshot only $8.71
Leverage & Solvency
Metric Trend 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 2.33 2.26 2.33 2.35 2.38 2.07 1.95 2.29 1.98 1.94 1.68 1.88 1.80 1.96 1.75 1.63 2.03 2.51 2.84 1.96 1.959
Quick Ratio 2.33 2.26 2.33 2.35 1.55 2.07 1.95 2.29 1.98 1.94 1.68 1.88 1.80 1.96 1.75 1.63 2.03 2.51 2.84 1.96 1.959
Debt/Equity 0.64 0.58 0.57 0.54 0.87 1.23 0.81 1.47 1.44 1.45 1.34 1.67 1.16 1.35 1.23 1.17 1.21 1.34 1.61 0.80 0.799
Net Debt/Equity -0.31 -0.35 -0.46 -0.18 0.14 0.23 0.26 0.49 0.03 -0.16 -0.25 0.03 0.06 0.38 0.14 -0.06 0.20 0.30 0.57 -0.09 -0.090
Debt/Assets 0.26 0.24 0.25 0.24 0.32 0.36 0.29 0.41 0.37 0.37 0.34 0.39 0.34 0.39 0.35 0.32 0.38 0.42 0.46 0.30 0.301
Debt/EBITDA 1.11 1.02 1.03 0.97 1.38 1.99 1.33 2.28 2.23 1.99 1.69 2.20 1.48 1.62 1.60 1.60 2.06 2.85 3.93 2.40 2.402
Net Debt/EBITDA -0.54 -0.61 -0.83 -0.32 0.23 0.37 0.43 0.76 0.05 -0.22 -0.31 0.04 0.07 0.46 0.18 -0.08 0.34 0.63 1.38 -0.27 -0.270
Interest Coverage 12.89 15.84 18.19 19.81 18.21 14.73 12.32 10.25 9.20 9.16 8.80 8.29 8.32 8.36 7.89 7.60 6.25 4.98 4.28 3.58 3.578
Equity Multiplier 2.40 2.38 2.29 2.24 2.75 3.42 2.76 3.58 3.93 3.87 3.97 4.30 3.39 3.43 3.52 3.64 3.20 3.21 3.48 2.65 2.652
Cash Ratio snapshot only 1.033
Debt Service Coverage snapshot only 5.333
Cash to Debt snapshot only 1.112
FCF to Debt snapshot only 0.065
Defensive Interval snapshot only 1724.9 days
Efficiency & Turnover
Metric Trend 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 1.51 1.53 1.51 1.51 1.45 1.28 1.48 1.36 1.26 1.21 1.36 1.16 1.21 1.27 1.26 1.14 1.30 1.06 0.91 0.93 0.934
Inventory Turnover — — — — 6.29 — — — 7.58 — — — — — — — — — — — —
Receivables Turnover 5.46 7.51 6.26 5.90 5.26 5.55 6.11 5.49 4.88 4.62 5.28 4.12 4.60 5.02 4.66 3.76 5.09 4.86 4.06 3.74 3.745
Payables Turnover 24.49 17.26 22.79 23.00 19.37 14.94 19.94 21.76 15.14 14.46 15.25 15.71 11.96 12.82 11.15 10.64 17.74 27.62 24.32 18.97 18.970
DSO 67 49 58 62 69 66 60 66 75 79 69 89 79 73 78 97 72 75 90 97 97.5 days
DIO 0 0 0 0 58 0 0 0 48 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 15 21 16 16 19 24 18 17 24 25 24 23 31 28 33 34 21 13 15 19 19.2 days
Cash Conversion Cycle 52 27 42 46 109 41 41 50 99 54 45 65 49 44 46 63 51 62 75 78 78.2 days
Fixed Asset Turnover snapshot only 5.947
Cash Velocity snapshot only 3.000
Capital Intensity snapshot only 0.995
Growth (YoY)
Metric Trend 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 26.4% 28.6% 28.0% 23.0% 20.5% 19.1% 20.5% 22.1% 23.5% 20.5% 14.9% 9.3% 3.8% -0.0% -1.7% -3.6% -6.1% -21.0% -26.1% -29.6% -29.62%
Net Income 46.9% 38.7% 33.6% 26.5% 32.5% 22.4% 16.0% 8.8% -4.0% 3.8% 4.2% 2.8% 10.6% -1.2% -9.0% -12.0% -35.8% -44.5% -53.4% -63.8% -63.83%
EPS 44.3% 36.7% 32.8% 25.9% 35.6% 27.1% 21.3% 15.8% 2.2% 10.7% 13.9% 14.5% 21.9% 11.5% 0.9% -2.6% -29.5% -42.2% -52.7% -64.7% -64.66%
FCF -0.7% 14.7% 3.3% -1.0% -1.3% -95.6% -1.2% 1.3% 15.5% 42.6% 7.2% 265.3% -9.1% -82.3% -85.4% -40.3% -69.4% -31.7% -3.6% -89.7% -89.70%
EBITDA 26.8% 27.7% 26.2% 22.7% 20.9% 13.6% 11.8% 9.7% 11.8% 17.3% 15.4% 10.9% 9.2% 3.2% -2.5% -3.2% -20.8% -32.0% -37.5% -46.0% -45.99%
Op. Income 33.1% 28.3% 26.0% 21.4% 25.7% 22.2% 18.4% 14.3% 12.0% 15.2% 13.7% 9.5% 9.2% -0.5% -7.0% -8.8% -29.8% -1.2% -1.5% -1.7% -1.65%
OCF Growth snapshot only -70.59%
Asset Growth snapshot only -13.20%
Equity Growth snapshot only 19.19%
Debt Growth snapshot only -18.80%
Shares Change snapshot only 2.33%
Growth (CAGR)
Metric Trend 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 18.7% 18.8% 18.7% 18.7% 18.6% 19.6% 20.7% 22.6% 23.4% 22.6% 21.0% 17.9% 15.6% 12.8% 10.8% 8.7% 6.4% -1.6% -5.9% -9.5% -9.50%
Revenue 5Y — — 59.8% 38.0% 27.2% 20.5% 20.7% 20.3% 20.0% 19.2% 18.3% 17.4% 16.4% 15.6% 14.7% 14.2% 12.9% 7.8% 5.2% 2.2% 2.16%
EPS 3Y — — — 2.1% 44.0% 43.4% 38.2% 34.6% 26.0% 24.4% 22.4% 18.6% 19.1% 16.2% 11.7% 8.9% -4.2% -10.6% -18.4% -26.7% -26.68%
EPS 5Y — — — — — — — — — — — 1.1% 30.1% 29.5% 24.9% 22.2% 11.4% 4.4% -2.6% -10.5% -10.50%
Net Income 3Y — — — 2.1% 44.2% 43.0% 37.4% 33.2% 23.1% 20.8% 17.3% 12.3% 12.0% 7.9% 3.2% -0.5% -12.0% -17.1% -23.8% -31.1% -31.09%
Net Income 5Y — — — — — — — — — — — 1.0% 26.1% 24.6% 19.7% 16.4% 5.8% -0.7% -7.3% -14.7% -14.75%
EBITDA 3Y 50.3% 41.4% 38.6% 33.7% 24.7% 23.1% 21.9% 21.8% 19.7% 19.4% 17.7% 14.3% 13.8% 11.2% 8.0% 5.6% -1.1% -6.3% -11.0% -16.6% -16.62%
EBITDA 5Y — — 92.7% 50.8% 35.8% 30.9% 28.4% 27.5% 35.6% 30.4% 28.0% 23.8% 18.8% 17.7% 15.3% 14.2% 8.2% 3.6% -0.1% -4.8% -4.84%
Gross Profit 3Y 18.9% 17.7% 17.4% 17.3% 17.3% 20.0% 21.7% 24.1% 25.5% 20.8% 15.9% 12.9% 26.7% 26.2% 24.1% 22.6% 5.6% -39.9% -62.4% — —
Gross Profit 5Y — — 57.9% 36.9% 26.6% 20.9% 21.6% 21.2% 21.0% 18.0% 15.1% 14.2% 22.5% 23.3% 22.6% 22.5% 12.5% -19.7% -39.3% — —
Op. Income 3Y 1.2% 73.1% 61.9% 49.1% 33.6% 31.5% 28.6% 27.4% 23.3% 21.8% 19.3% 15.0% 15.5% 11.9% 7.8% 4.5% -4.9% — — — —
Op. Income 5Y — — — 85.1% 61.4% 63.8% 54.1% 48.0% 72.3% 48.8% 41.7% 32.9% 23.9% 21.1% 17.6% 15.6% 7.5% — — — —
FCF 3Y -21.3% 67.0% 71.4% — — -59.8% — -75.4% 64.9% — — 50.4% 60.1% -30.1% -42.9% — — 73.9% — 1.5% 1.54%
FCF 5Y — — — — — -23.5% — -51.7% 17.1% 55.2% 45.0% 29.5% 16.5% -12.9% -7.5% 18.8% 4.6% — — -26.9% -26.87%
OCF 3Y -16.7% 57.9% 66.8% -35.0% -45.4% -33.9% — -36.7% 58.5% — — 53.1% 61.6% -12.1% -31.5% 1.0% 84.8% 34.5% — 43.0% 42.99%
OCF 5Y — — — — — -1.1% — -16.0% 17.1% 48.6% 43.8% 30.8% 20.7% 0.2% 1.8% 20.3% 12.0% — — -8.3% -8.32%
Assets 3Y 7.3% 14.7% 9.4% 6.8% 18.3% 31.1% 23.7% 30.1% 34.6% 30.5% 24.1% 26.5% 14.8% 10.7% 11.9% 13.0% 6.3% 0.4% 9.5% -5.9% -5.91%
Assets 5Y — — 2.8% 15.4% 17.8% 18.8% 13.9% 19.2% 19.2% 20.6% 15.5% 15.8% 14.8% 15.3% 16.6% 16.2% 13.5% 14.8% 14.6% 8.3% 8.26%
Equity 3Y 51.7% 47.6% 47.9% 52.7% 43.0% 38.9% 35.8% 28.0% 24.3% 16.5% 9.4% 5.5% 2.3% -1.9% -3.0% -3.9% 1.1% 2.4% 1.4% 4.0% 3.98%
Book Value 3Y 40.1% 45.3% 44.1% 50.6% 42.8% 39.3% 36.6% 29.4% 27.2% 20.0% 14.2% 11.5% 8.8% 5.6% 4.9% 5.2% 10.0% 10.4% 8.7% 10.6% 10.63%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend 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 0.96 0.94 0.96 0.98 0.99 0.97 0.96 0.96 0.95 0.96 0.97 0.98 0.97 0.96 0.95 0.90 0.82 0.43 0.25 0.09 0.090
Earnings Stability 0.87 0.96 0.92 0.94 0.92 0.97 0.96 0.96 0.89 0.93 0.91 0.89 0.91 0.87 0.77 0.64 0.19 0.02 0.03 0.17 0.168
Margin Stability 0.98 0.99 0.98 0.98 0.98 0.99 0.98 0.98 0.98 0.98 0.94 0.94 0.87 0.84 0.82 0.81 0.86 0.54 0.44 0.38 0.383
Rev. Growth Consistency 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000
Earn. Growth Consistency 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.00 1.00 1.00 1.00 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000
FCF Positive Streak 1 0 0 0 0 1 0 0 0 1 0 1 1 1 1 1 1 1 0 1 1
Earnings Persistence 0.81 0.85 0.87 0.89 0.87 0.91 0.94 0.96 0.98 0.98 0.98 0.99 0.96 1.00 0.96 0.95 0.86 0.82 0.50 0.50 0.500
Earnings Smoothness 0.62 0.68 0.71 0.77 0.72 0.80 0.85 0.92 0.96 0.96 0.96 0.97 0.90 0.99 0.91 0.87 0.56 0.43 0.27 0.06 0.062
ROE Trend -0.05 -0.03 -0.03 -0.01 0.05 0.04 0.03 0.04 -0.01 0.04 0.09 0.06 0.06 0.05 -0.01 -0.03 -0.13 -0.21 -0.26 -0.28 -0.276
Gross Margin Trend -0.00 -0.01 -0.01 -0.01 -0.00 0.00 0.01 0.01 0.01 -0.01 -0.04 -0.04 0.10 0.13 0.14 0.15 -0.07 -0.31 -0.35 -0.39 -0.385
FCF Margin Trend -0.05 0.08 0.29 -0.11 -0.07 -0.06 -0.11 -0.05 0.13 0.12 0.14 0.22 0.06 -0.07 -0.06 0.03 -0.10 -0.09 -0.27 -0.16 -0.155
Sustainable Growth Rate 40.4% 39.5% 38.3% 37.2% 41.4% 39.1% 37.2% 36.6% 36.4% 39.8% 40.7% 39.9% 40.7% 41.4% 39.3% 36.2% 26.8% 22.1% 16.8% 11.9% 11.94%
Internal Growth Rate 17.8% 18.5% 18.4% 18.8% 19.1% 15.5% 17.3% 14.5% 12.1% 12.3% 13.9% 11.3% 12.5% 12.8% 11.7% 10.0% 8.9% 7.1% 5.1% 4.0% 4.00%
Cash Flow Quality
Metric Trend 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 0.65 1.67 2.90 0.24 0.13 0.26 -0.30 0.19 1.95 2.41 3.18 2.94 1.95 0.90 0.85 2.05 1.22 1.13 -1.64 1.67 1.669
FCF/OCF 0.76 0.86 0.91 -0.14 -0.88 0.20 1.59 0.05 0.90 0.91 0.87 0.84 0.74 0.43 0.53 0.81 0.57 0.43 1.51 0.28 0.285
FCF/Net Income snapshot only 0.475
OCF/EBITDA snapshot only 0.551
CapEx/Revenue 1.6% 2.3% 2.7% 2.8% 2.7% 2.2% 1.7% 1.7% 1.7% 1.9% 3.6% 4.3% 4.7% 4.6% 3.3% 3.1% 3.3% 4.1% 4.4% 4.9% 4.92%
CapEx/Depreciation snapshot only 1.197
Accruals Ratio 0.05 -0.10 -0.30 0.12 0.14 0.10 0.19 0.10 -0.10 -0.15 -0.27 -0.20 -0.11 0.01 0.02 -0.10 -0.02 -0.01 0.13 -0.03 -0.026
Sloan Accruals snapshot only -0.030
Cash Flow Adequacy snapshot only 1.398
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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% 0.0% 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%
FCF Payout Ratio 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%
Total Payout Ratio 2.8% 11.9% 18.6% 36.7% 83.8% 93.7% 1.0% 1.2% 91.9% 1.1% 1.4% 1.2% 1.3% 1.3% 1.0% 1.1% 93.4% 50.0% 44.7% 0.0% 0.00%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 0.2% 0.9% 1.1% 2.4% 5.5% 5.8% 6.0% 7.8% 8.3% 8.5% 10.5% 10.2% 13.3% 11.5% 14.6% 18.8% 8.8% 3.5% 2.4% 0.0% 0.00%
Net Buyback Yield 0.0% 0.7% 1.0% 2.4% 5.5% 5.8% 6.0% 7.8% 8.3% 8.4% 10.5% 10.2% 13.3% 11.5% 14.6% 18.8% 8.8% 3.5% 2.2% -0.0% -0.01%
Total Shareholder Return 0.0% 0.7% 1.0% 2.4% 5.5% 5.8% 6.0% 7.8% 8.3% 8.4% 10.5% 10.2% 13.3% 11.5% 14.6% 18.8% 8.8% 3.5% 2.2% -0.0% -0.01%
DuPont Factors
Metric Trend 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) 0.74 0.74 0.74 0.73 0.76 0.74 0.74 0.73 0.69 0.70 0.70 0.70 0.71 0.71 0.70 0.69 0.68 0.69 0.68 0.68 0.683
Interest Burden (EBT/EBIT) 0.89 0.88 0.89 0.90 0.92 0.93 0.92 0.90 0.89 0.89 0.89 0.88 0.88 0.85 0.84 0.83 0.80 0.80 0.77 0.72 0.721
EBIT Margin 0.15 0.16 0.16 0.16 0.16 0.15 0.15 0.14 0.14 0.14 0.14 0.14 0.15 0.15 0.14 0.14 0.12 0.11 0.10 0.08 0.084
Asset Turnover 1.51 1.53 1.51 1.51 1.45 1.28 1.48 1.36 1.26 1.21 1.36 1.16 1.21 1.27 1.26 1.14 1.30 1.06 0.91 0.93 0.934
Equity Multiplier 2.67 2.53 2.46 2.35 2.59 2.91 2.53 2.89 3.37 3.64 3.33 3.93 3.67 3.66 3.75 3.97 3.29 3.31 3.50 3.10 3.103
Per Share
Metric Trend 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) $1.10 $1.19 $1.27 $1.33 $1.49 $1.52 $1.54 $1.54 $1.53 $1.68 $1.75 $1.77 $1.86 $1.87 $1.77 $1.72 $1.31 $1.08 $0.84 $0.61 $0.61
Book Value/Share $3.36 $3.65 $3.91 $4.08 $3.77 $3.97 $4.17 $4.09 $4.37 $4.21 $4.04 $4.30 $4.33 $4.30 $4.52 $4.76 $5.02 $5.34 $5.35 $5.54 $5.63
Tangible Book/Share $2.02 $2.33 $2.61 $2.81 $2.50 $2.13 $2.37 $2.08 $2.34 $2.17 $1.96 $2.18 $2.17 $1.68 $1.88 $2.01 $2.28 $2.71 $2.78 $3.01 $3.01
Revenue/Share $10.97 $11.70 $12.27 $12.73 $13.52 $14.47 $15.46 $16.54 $17.78 $18.59 $19.42 $20.13 $20.34 $20.97 $21.16 $21.47 $20.97 $17.25 $15.86 $14.77 $15.01
FCF/Share $0.54 $1.72 $3.35 $-0.04 $-0.17 $0.08 $-0.72 $0.01 $2.68 $3.69 $4.87 $4.35 $2.69 $0.74 $0.79 $2.87 $0.90 $0.52 $-2.08 $0.29 $0.29
OCF/Share $0.72 $1.99 $3.68 $0.32 $0.20 $0.40 $-0.45 $0.29 $2.98 $4.05 $5.58 $5.20 $3.64 $1.69 $1.50 $3.53 $1.60 $1.22 $-1.37 $1.01 $1.03
Cash/Share $3.18 $3.38 $4.02 $2.92 $2.73 $3.96 $2.29 $4.00 $6.17 $6.75 $6.40 $7.05 $4.78 $4.16 $4.92 $5.84 $5.08 $5.59 $5.61 $4.92 $5.00
EBITDA/Share $1.92 $2.07 $2.17 $2.26 $2.37 $2.44 $2.54 $2.64 $2.83 $3.06 $3.20 $3.26 $3.40 $3.56 $3.46 $3.49 $2.96 $2.52 $2.20 $1.84 $1.84
Debt/Share $2.14 $2.12 $2.23 $2.19 $3.28 $4.86 $3.37 $6.01 $6.30 $6.09 $5.40 $7.18 $5.03 $5.78 $5.56 $5.58 $6.07 $7.17 $8.63 $4.42 $4.42
Net Debt/Share $-1.04 $-1.26 $-1.79 $-0.73 $0.54 $0.91 $1.08 $2.01 $0.14 $-0.66 $-0.99 $0.14 $0.25 $1.63 $0.63 $-0.27 $0.99 $1.58 $3.03 $-0.50 $-0.50
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 3.522
Altman Z-Prime snapshot only 6.402
Piotroski F-Score 6 7 6 6 7 4 5 4 5 5 5 6 8 7 5 7 5 5 3 5 5
Beneish M-Score -1.61 -2.65 -3.49 -1.64 -1.91 -1.39 -1.46 -1.82 -2.29 -2.63 -2.81 -2.78 -3.44 -2.95 -2.46 -3.23 -2.15 -2.67 1.50 -2.93 -2.930
Ohlson O-Score snapshot only -6.136
ROIC (Greenblatt) snapshot only 17.52%
Net-Net WC snapshot only $0.18
EVA snapshot only $-53852292.16
Credit
Metric Trend 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 85.04 89.38 89.17 86.22 82.01 80.38 78.57 76.83 74.94 83.29 84.03 79.93 86.86 82.18 78.28 80.89 74.81 68.30 60.75 68.92 68.925
Credit Grade snapshot only 7
Credit Trend snapshot only -11.962
Implied Spread (bps) snapshot only 175.000
Industry Credit Rank snapshot only 67
Sector Credit Rank snapshot only 53

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms