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ITJTY OTC

Intrum AB
1W: +0.0% 1M: +110.9% 3M: +22.3% YTD: -84.7% 1Y: -86.9% 3Y: -94.0% 5Y: -97.0%
$0.66
+0.00 (+0.00%)
 
OTC · Financial Services · Financial - Credit Services · Tech Score Buy · Power 71 · $79.1M mcap · 136M float · 0.0009% daily turnover · Short 95% of daily vol

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: 0Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$—
Analysts0

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.

C-
Oct 02, 2026
DCF
1
ROE
1
ROA
1
D/E
1
P/E
1
P/B
4
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. ITJTY receives an overall rating of C-. Strongest factors: P/B (4/5). Areas of concern: DCF (1/5), ROE (1/5), ROA (1/5), D/E (1/5), P/E (1/5).
Rating Change History
DateFromTo
2026-09-25 C C-
2026-09-03 C- C
2026-08-19 C C-
2026-06-30 None ADDED
2026-06-30 EXISTED None
2026-06-23 C- C
2026-06-23 None ADDED
2026-06-23 EXISTED None
2026-06-16 None ADDED
2026-06-15 EXISTED None

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.

★ ★ ★ ★ ★ — Grade D
Profitability
39
Balance Sheet
19
Earnings Quality
42
Growth
37
Value
—
Momentum
39
Safety
—
Cash Flow
43

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score
-0.01
Distress Zone
Piotroski F-Score
5/9
✗ ✓ ✗ ✓ ✗ ✓ ✗ ✓ ✓
Beneish M-Score
-3.24
Unlikely Manipulator
Ohlson O-Score
-6.52
Bankruptcy prob: 0.1%
Low Risk
Credit Rating
B-
Score: 21.2/100
Trend: Improving
Earnings Quality
—
OCF/NI: -1.76x
Accruals: -7.7%
The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. ITJTY scores -0.01, 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. ITJTY 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. ITJTY's score of -3.24 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. ITJTY'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. ITJTY receives an estimated rating of B- (score: 21.2/100), with a improving trend.

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
-0.98x
PEG
0.00x
P/S
0.11x
P/B
0.15x
P/FCF
—
P/OCF
—
EV/EBITDA
—
EV/Revenue
—
EV/EBIT
—
EV/FCF
—
Earnings Yield
—
FCF Yield
—
Shareholder Yield
—
Graham Number
—
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. ITJTY currently has negative earnings — the P/E ratio is not meaningful.

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
9.159
NI / EBT
×
Interest Burden
-0.099
EBT / EBIT
×
EBIT Margin
0.131
EBIT / Rev
×
Asset Turnover
0.234
Rev / Assets
×
Equity Multiplier
5.573
Assets / Equity
=
ROE
-15.5%
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. ITJTY's ROE of -15.5% is driven by financial leverage (equity multiplier: 5.57x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 9.16 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
—
Price/Value
—
Margin of Safety
—
Premium
—

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
$0.66
Median 1Y
$0.18
5th Pctile
$0.02
95th Pctile
$1.49
Ann. Volatility
128.3%
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 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 12.1% 15.3% 13.6% 13.4% 1.2% -22.2% -24.2% -27.0% -20.5% -1.1% -2.5% -11.0% -16.2% -24.5% -23.0% -13.0% -0.7% -11.5% -14.8% -15.5% -15.50%
ROA 2.9% 3.7% 3.4% 3.2% 0.3% -5.0% -5.6% -6.0% -4.3% -0.2% -0.5% -2.0% -3.0% -4.4% -4.0% -2.1% -0.1% -1.9% -2.6% -2.8% -2.78%
ROIC 7.3% 7.2% 7.0% 6.6% 1.6% 0.1% 0.8% 1.2% 5.0% 9.2% 7.5% 7.8% 6.5% 5.9% 7.1% 7.5% 1.4% -40.3% 6.8% 6.5% 6.46%
ROCE 7.8% 8.6% 8.2% 7.6% 4.4% -1.1% -1.9% -2.4% -0.2% 4.1% 3.7% 1.9% 1.8% 3.2% 5.9% 10.0% 7.8% 3.9% 3.5% 3.5% 3.54%
Gross Margin 46.1% 50.2% 41.2% 43.9% 45.7% 45.2% 49.1% 42.4% 46.1% 47.7% 53.9% 55.7% 41.8% 41.8% 57.7% 59.5% 74.8% 72.3% 73.3% 63.3% 63.26%
Operating Margin 31.2% 41.9% 29.5% 32.2% -36.4% -20.7% 53.5% 45.5% 46.4% 51.5% 11.3% 23.7% 26.3% 42.9% 25.8% 33.6% 17.3% 31.8% 31.9% 28.1% 28.05%
Net Margin 12.2% 22.3% 12.3% 13.7% -46.1% -65.4% 0.6% 0.3% -9.4% 3.7% -5.7% -30.9% -29.0% -18.9% 2.5% 8.2% 9.8% -49.1% -8.7% 4.4% 4.39%
EBITDA Margin 36.7% 56.0% 37.6% 37.9% 12.7% -25.6% 27.7% 29.9% 11.5% 34.3% 19.0% -4.2% 20.2% 56.1% 32.4% 39.1% 23.8% -4.7% 25.3% 30.2% 30.18%
FCF Margin 43.9% 54.6% 54.7% 54.1% 44.3% 31.8% 29.9% 30.0% 30.9% 32.8% 38.4% 40.0% 37.9% 37.3% 32.7% 32.7% 26.7% 29.3% 24.5% 20.2% 20.25%
OCF Margin 46.2% 56.4% 56.5% 55.8% 46.1% 33.7% 31.9% 32.0% 32.9% 35.0% 40.3% 42.4% 40.6% 40.9% 36.4% 36.1% 29.5% 30.3% 25.2% 21.0% 20.98%
ROE 3Y Avg snapshot only -13.98%
ROE 5Y Avg snapshot only -11.70%
ROA 3Y Avg snapshot only -2.41%
ROIC 3Y Avg snapshot only 0.64%
ROIC Economic snapshot only 6.18%
Cash ROA snapshot only 5.07%
Cash ROIC snapshot only 6.23%
CROIC snapshot only 6.01%
NOPAT Margin snapshot only 21.76%
Pretax Margin snapshot only -1.30%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 5.36%
SBC / Revenue snapshot only 0.00%
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 — — — — — — — — — — — — — — — — — — — — -0.979
P/S Ratio — — — — — — — — — — — — — — — — — — — — 0.115
P/B Ratio — — — — — — — — — — — — — — — — — — — — 0.150
P/FCF — — — — — — — — — — — — — — — — — — — — —
P/OCF — — — — — — — — — — — — — — — — — — — — —
EV/EBITDA — — — — — — — — — — — — — — — — — — — — —
EV/Revenue — — — — — — — — — — — — — — — — — — — — —
EV/EBIT — — — — — — — — — — — — — — — — — — — — —
EV/FCF — — — — — — — — — — — — — — — — — — — — —
Earnings Yield — — — — — — — — — — — — — — — — — — — — —
FCF Yield — — — — — — — — — — — — — — — — — — — — —
PEG Ratio snapshot only 0.001
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 0.69 0.74 0.78 0.91 0.70 0.69 0.69 0.73 0.66 0.66 1.26 1.01 0.47 0.45 0.32 0.33 0.00 20.82 19.89 1.65 1.652
Quick Ratio 0.67 0.72 0.75 0.88 0.68 0.67 0.67 0.70 0.63 0.64 1.24 0.99 0.46 0.44 0.32 0.33 0.00 20.82 18.77 1.59 1.587
Debt/Equity 2.58 2.46 2.34 2.56 2.76 3.09 3.15 3.18 3.37 3.61 3.60 4.34 3.80 3.84 4.14 3.83 3.44 4.09 3.47 3.51 3.508
Net Debt/Equity 2.41 2.25 2.12 2.34 2.54 2.90 2.95 3.06 3.18 3.39 3.33 3.64 3.55 3.66 3.87 3.59 3.08 3.86 3.22 3.28 3.283
Debt/Assets 0.62 0.60 0.59 0.61 0.63 0.65 0.66 0.66 0.67 0.67 0.67 0.68 0.66 0.66 0.67 0.65 0.65 0.68 0.66 0.67 0.666
Debt/EBITDA 7.60 6.73 6.81 7.36 8.43 21.52 29.17 41.70 43.65 13.29 14.34 20.48 16.51 12.35 10.60 7.63 7.26 12.41 13.63 15.15 15.150
Net Debt/EBITDA 7.11 6.15 6.17 6.73 7.76 20.23 27.32 40.05 41.20 12.49 13.27 17.15 15.44 11.77 9.91 7.16 6.49 11.69 12.63 14.18 14.178
Interest Coverage 2.69 3.02 2.88 2.76 1.48 -0.33 -0.51 -0.62 -0.04 0.85 0.79 0.37 0.30 0.55 0.73 1.35 2.26 1.07 0.89 0.71 0.713
Equity Multiplier 4.17 4.10 3.96 4.18 4.42 4.78 4.76 4.82 5.06 5.39 5.35 6.42 5.73 5.79 6.21 5.89 5.30 6.03 5.27 5.27 5.268
Cash Ratio snapshot only 0.413
Debt Service Coverage snapshot only 0.987
Cash to Debt snapshot only 0.064
FCF to Debt snapshot only 0.073
Defensive Interval snapshot only 534.3 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 0.21 0.21 0.21 0.21 0.21 0.22 0.21 0.19 0.20 0.20 0.20 0.20 0.21 0.21 0.21 0.21 0.22 0.23 0.23 0.23 0.234
Inventory Turnover 25.80 27.54 27.10 30.71 32.77 35.05 30.06 29.08 29.83 29.74 27.60 25.74 26.95 29.49 29.80 30.82 47.63 38.59 13.63 13.91 13.915
Receivables Turnover 7.69 6.66 16.10 15.87 10.75 7.38 18.14 16.23 33.44 14.10 7.00 6.65 7.58 11.76 8.55 3.20 6.14 5.09 6.81 3.14 3.135
Payables Turnover 19.48 2.73 21.01 22.72 24.68 3.11 21.30 25.09 3.08 24.31 2.86 2.75 1.43 22.76 1.34 1.20 2.21 1.93 0.80 0.77 0.767
DSO 47 55 23 23 34 49 20 22 11 26 52 55 48 31 43 114 59 72 54 116 116.4 days
DIO 14 13 13 12 11 10 12 13 12 12 13 14 14 12 12 12 8 9 27 26 26.2 days
DPO 19 134 17 16 15 117 17 15 119 15 127 133 255 16 272 305 165 189 453 476 476.0 days
Cash Conversion Cycle 43 -66 19 19 30 -57 15 20 -95 23 -62 -64 -193 27 -217 -179 -98 -108 -373 -333 -333.4 days
Fixed Asset Turnover snapshot only 24.438
Operating Cycle snapshot only 143.0 days
Cash Velocity snapshot only 5.654
Capital Intensity snapshot only 4.140
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 9.9% 5.6% 2.0% 1.2% 3.4% 8.6% 2.9% -2.0% -3.3% -9.6% -3.6% -1.1% -1.8% 0.3% -3.5% -5.5% -5.4% -6.3% -2.5% 0.3% 0.31%
Net Income 3.5% 66.1% 11.6% 2.0% -90.0% -2.4% -2.7% -3.0% -17.3% 95.8% 91.0% 68.2% 35.3% -18.7% -6.5% 5.4% 96.2% 62.4% 44.1% -19.0% -18.98%
EPS 3.5% 86.9% 11.6% 2.2% -89.9% -2.3% -2.7% -3.0% -17.3% 95.8% 91.0% 68.2% 35.3% -18.6% -6.5% 5.4% 96.5% 66.4% 50.2% -6.1% -6.15%
FCF -3.5% 22.7% 32.1% 42.8% 4.5% -36.7% -43.7% -45.7% -32.5% -6.8% 23.6% 31.8% 20.5% 14.1% -17.8% -22.6% -33.5% -26.5% -26.8% -37.9% -37.93%
EBITDA 6.7% 27.9% 8.0% 5.8% -1.5% -66.4% -74.2% -81.1% -79.2% 71.2% 1.1% 91.4% 1.2% -8.5% 8.0% 1.3% 1.0% -14.1% -26.8% -51.6% -51.60%
Op. Income 73.8% 15.5% -6.2% -9.2% -50.1% -98.4% -87.4% -80.7% 47.4% 80.8% 7.9% 4.0% 6.4% -45.7% -26.0% -9.6% -1.1% -4.0% -6.8% -15.3% -15.27%
OCF Growth snapshot only -41.69%
Asset Growth snapshot only -6.26%
Equity Growth snapshot only 4.87%
Debt Growth snapshot only -3.96%
Shares Change snapshot only 12.09%
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 38.3% 19.9% 8.7% 9.1% 7.9% 6.5% 6.1% 4.9% 3.2% 1.2% 0.4% -0.6% -0.6% -0.5% -1.4% -2.9% -3.5% -5.3% -3.2% -2.1% -2.10%
Revenue 5Y — — — — — — — 37.9% 21.5% 11.1% 5.0% 4.7% 3.6% 1.8% 2.1% 1.6% 0.4% -0.5% -1.0% -1.4% -1.43%
EPS 3Y 34.3% 34.3% 11.7% 8.3% -53.0% — — — — — — — — — — — — — — — —
EPS 5Y — — — — — — — — — — — — — — — — — — — — —
Net Income 3Y 30.7% 25.7% 8.6% 5.3% -54.3% — — — — — — — — — — — — — — — —
Net Income 5Y — — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y 38.8% 28.1% 13.4% 12.0% 4.2% -27.0% -30.5% -36.8% -39.8% -9.8% -15.8% -27.3% -22.8% -19.3% -15.8% -6.5% -1.6% 10.4% 19.2% 27.8% 27.82%
EBITDA 5Y — — — — — — — -1.5% -11.4% 3.9% -4.2% -12.6% -12.0% -9.4% -4.9% 1.7% 0.0% -10.4% -14.0% -16.0% -15.99%
Gross Profit 3Y 38.7% 20.8% 9.4% 10.1% 9.6% 11.3% 15.7% 15.0% 11.4% 3.3% 1.1% 1.9% 1.4% 0.8% 0.9% 0.1% 4.5% 8.5% 11.6% 13.6% 13.59%
Gross Profit 5Y — — — — — — — 36.6% 21.0% 11.6% 6.2% 7.6% 6.5% 6.4% 9.0% 9.2% 10.2% 8.2% 7.5% 7.1% 7.06%
Op. Income 3Y 47.1% 28.1% 12.3% 10.3% -12.3% -70.9% -38.4% -28.0% 8.5% 15.3% 1.9% -4.0% -7.8% -10.4% -5.9% -4.1% 15.8% 2.5% 83.4% 57.0% 56.96%
Op. Income 5Y — — — — — — — -0.5% 18.5% 22.8% 9.8% 5.5% 1.1% 1.8% 9.2% 11.2% 6.1% -4.4% -6.1% -7.5% -7.46%
FCF 3Y 42.3% 29.4% 20.7% 20.0% 12.2% 2.6% -6.0% -10.0% -12.1% -10.2% -2.8% 0.8% -5.3% -12.4% -17.0% -17.9% -18.5% -7.9% -9.4% -14.1% -14.13%
FCF 5Y — — — — — — — 27.7% 15.2% 5.1% 4.1% 4.4% 2.8% 2.8% -3.3% -5.8% -11.4% -9.5% -11.2% -13.2% -13.24%
OCF 3Y 42.2% 28.7% 19.0% 18.0% 10.5% 0.6% -6.7% -10.6% -12.8% -10.7% -3.8% 0.3% -4.8% -10.7% -14.9% -16.0% -16.9% -8.6% -10.6% -15.0% -14.97%
OCF 5Y — — — — — — — 28.1% 15.4% 5.4% 3.6% 3.9% 2.4% 2.3% -2.9% -5.5% -11.2% -10.4% -12.2% -13.9% -13.86%
Assets 3Y 8.9% 5.4% 5.4% 4.7% 2.3% 1.0% -0.1% 3.3% 3.2% 3.8% 3.4% 1.0% -2.4% -4.5% -6.2% -7.2% -7.5% -9.6% -7.4% -9.0% -9.02%
Assets 5Y — — — — — — — 7.1% 7.1% 3.5% 3.7% 0.9% -1.6% -2.1% -3.6% -2.4% -2.9% -4.1% -3.2% -3.3% -3.33%
Equity 3Y -4.4% -2.9% -2.8% -2.8% -6.4% -5.6% -4.8% 0.1% -3.1% -4.3% -6.0% -12.1% -12.2% -14.9% -19.3% -17.3% -13.0% -16.4% -10.4% -11.7% -11.69%
Book Value 3Y -1.7% 3.8% -0.1% -0.0% -3.7% -2.9% -2.3% 0.4% -2.9% -4.2% -5.9% -12.0% -12.2% -18.0% -19.3% -17.2% -15.5% -19.4% -13.8% -15.0% -15.00%
Dividend 3Y 5.9% 10.0% 5.8% 6.8% 6.8% 6.8% 6.7% -20.5% -20.6% 0.1% -0.0% 0.0% 0.0% — — — — — — — —
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 0.83 0.80 0.94 0.92 0.97 0.98 0.84 0.77 0.76 0.72 0.71 0.57 0.52 0.23 0.34 0.18 0.01 0.05 0.36 0.79 0.793
Earnings Stability 0.00 0.38 0.15 0.17 0.04 0.21 0.24 0.18 0.39 0.16 0.19 0.29 0.55 0.30 0.23 0.16 0.12 0.33 0.38 0.31 0.308
Margin Stability 0.89 0.92 0.88 0.87 0.89 0.93 0.88 0.88 0.90 0.97 0.98 0.95 0.95 0.92 0.88 0.86 0.83 0.81 0.80 0.80 0.803
Rev. Growth Consistency 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 0.50 0.00 0.00 0.00 0.00 0.00 0.50 0.500
Earn. Growth Consistency 0.50 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.00 0.00 1.00 1.00 0.50 0.50 0.00 0.000
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.20 0.50 0.50 0.50 0.50 0.20 0.20 0.20 0.20 0.50 0.50 0.50 0.50 0.50 0.50 0.98 0.50 0.50 0.82 0.92 0.924
Earnings Smoothness — 0.50 0.89 0.98 0.00 — — — — — — — — — — — — — — — —
ROE Trend 0.09 0.10 0.09 0.09 -0.02 -0.36 -0.40 -0.42 -0.28 0.04 0.04 -0.05 -0.08 -0.15 -0.13 0.08 0.20 0.02 0.01 -0.02 -0.017
Gross Margin Trend 0.07 0.05 0.05 0.05 0.04 -0.01 -0.00 -0.01 -0.01 0.01 0.02 0.05 0.04 0.03 0.02 0.02 0.10 0.19 0.22 0.21 0.208
FCF Margin Trend -0.01 0.13 0.12 0.11 -0.03 -0.19 -0.19 -0.16 -0.13 -0.10 -0.04 -0.02 0.00 0.05 -0.01 -0.02 -0.08 -0.06 -0.11 -0.16 -0.161
Sustainable Growth Rate 4.9% 8.2% 6.9% 5.7% -6.7% — — — — — — — — — — — — — — — —
Internal Growth Rate 1.2% 2.0% 1.8% 1.4% — — — — — — — — — — — — — — — — —
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 3.40 3.21 3.47 3.65 34.95 -1.45 -1.19 -1.03 -1.48 -32.49 -16.08 -4.23 -2.77 -1.94 -1.87 -3.60 -49.93 -3.58 -2.26 -1.76 -1.763
FCF/OCF 0.95 0.97 0.97 0.97 0.96 0.94 0.94 0.94 0.94 0.94 0.95 0.94 0.93 0.91 0.90 0.91 0.91 0.97 0.98 0.96 0.965
FCF/Net Income snapshot only -1.701
OCF/EBITDA snapshot only 1.153
CapEx/Revenue 2.3% 1.9% 1.8% 1.7% 1.8% 1.9% 2.0% 2.0% 1.9% 1.5% 1.3% 1.8% 2.0% 3.6% 3.7% 3.4% 2.8% 1.0% 0.6% 0.7% 0.73%
CapEx/Depreciation snapshot only 0.145
Accruals Ratio -0.07 -0.08 -0.08 -0.08 -0.09 -0.12 -0.12 -0.12 -0.11 -0.07 -0.08 -0.10 -0.11 -0.13 -0.12 -0.10 -0.07 -0.09 -0.08 -0.08 -0.077
Sloan Accruals snapshot only 0.367
Cash Flow Adequacy snapshot only 28.568
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 — — — — — — — — — — — — — — — — — — — — 0.00%
Dividend/Share $12.04 $13.51 $12.03 $13.52 $13.54 $13.54 $13.54 $6.75 $6.75 $13.50 $13.49 $6.74 $6.74 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Payout Ratio 59.4% 46.5% 49.4% 57.8% 6.6% — — — — — — — — — — — — — — — —
FCF Payout Ratio 18.4% 15.0% 14.7% 16.3% 19.8% 26.6% 29.3% 15.0% 14.6% 28.4% 23.6% 11.4% 12.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Total Payout Ratio 63.4% 47.9% 50.8% 57.8% 6.9% — — — — — — — — — — — — — — — —
Div. Increase Streak 1 1 1 1 1 1 1 0 0 0 0 0 0 — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield — — — — — — — — — — — — — — — — — — — — —
Net Buyback Yield — — — — — — — — — — — — — — — — — — — — —
Total Shareholder Return — — — — — — — — — — — — — — — — — — — — —
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) 0.70 0.73 0.72 0.71 0.22 1.36 1.20 1.14 1.10 1.08 1.28 0.97 1.26 1.26 1.41 3.73 -0.07 -6.07 8.31 9.16 9.159
Interest Burden (EBT/EBIT) 0.63 0.67 0.65 0.64 0.33 4.01 2.98 2.61 24.41 -0.06 -0.13 -1.42 -2.01 -1.66 -1.02 -0.11 0.29 0.09 -0.09 -0.10 -0.099
EBIT Margin 0.31 0.36 0.35 0.34 0.18 -0.04 -0.08 -0.11 -0.01 0.17 0.15 0.07 0.06 0.10 0.13 0.24 0.29 0.16 0.15 0.13 0.131
Asset Turnover 0.21 0.21 0.21 0.21 0.21 0.22 0.21 0.19 0.20 0.20 0.20 0.20 0.21 0.21 0.21 0.21 0.22 0.23 0.23 0.23 0.234
Equity Multiplier 4.18 4.16 3.99 4.21 4.29 4.41 4.32 4.47 4.72 5.07 5.04 5.47 5.34 5.57 5.70 6.16 5.51 5.90 5.71 5.57 5.573
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) $20.27 $29.03 $24.37 $23.41 $2.04 $-37.11 $-41.51 $-46.90 $-33.26 $-1.56 $-3.72 $-14.89 $-21.52 $-30.65 $-27.84 $-14.09 $-0.75 $-10.30 $-13.87 $-14.95 $-14.95
Book Value/Share $168.72 $201.63 $188.19 $186.17 $172.40 $153.81 $154.57 $160.83 $152.11 $138.97 $142.63 $110.74 $114.33 $111.01 $99.09 $105.55 $103.87 $80.48 $99.02 $98.76 $22.34
Tangible Book/Share $-142.66 $-149.73 $-126.89 $-135.69 $-148.94 $-170.19 $-168.63 $-177.14 $-185.13 $-191.45 $-193.85 $-223.79 $-211.31 $-213.89 $-208.64 $-208.16 $-167.71 $-158.54 $-142.45 $-146.74 $-146.74
Revenue/Share $149.23 $165.32 $149.51 $153.13 $154.62 $160.33 $154.27 $150.18 $149.55 $144.97 $148.65 $148.49 $146.76 $145.25 $143.52 $140.40 $126.96 $121.76 $124.83 $125.64 $25.85
FCF/Share $65.45 $90.21 $81.78 $82.81 $68.53 $50.98 $46.18 $45.05 $46.23 $47.51 $57.05 $59.36 $55.68 $54.19 $46.88 $45.94 $33.85 $35.62 $30.62 $25.44 $3.59
OCF/Share $68.89 $93.31 $84.50 $85.46 $71.33 $53.98 $49.26 $48.09 $49.14 $50.67 $59.88 $62.93 $59.57 $59.38 $52.17 $50.68 $37.39 $36.84 $31.40 $26.36 $3.63
Cash/Share $27.91 $42.31 $41.18 $40.63 $37.67 $28.46 $30.80 $20.25 $28.68 $30.01 $38.18 $78.09 $28.23 $19.83 $26.68 $25.02 $37.81 $19.09 $25.05 $22.22 $4.45
EBITDA/Share $57.20 $73.62 $64.63 $64.76 $56.48 $22.06 $16.71 $12.28 $11.73 $37.76 $35.77 $23.49 $26.32 $34.53 $38.64 $52.95 $49.23 $26.54 $25.23 $22.86 $22.86
Debt/Share $434.59 $495.36 $440.21 $476.56 $476.24 $474.79 $487.34 $512.04 $512.00 $501.76 $512.84 $481.05 $434.55 $426.29 $409.73 $404.26 $357.37 $329.46 $343.79 $346.39 $346.39
Net Debt/Share $406.68 $453.05 $399.03 $435.93 $438.56 $446.34 $456.53 $491.79 $483.32 $471.76 $474.66 $402.96 $406.32 $406.46 $383.05 $379.25 $319.56 $310.37 $318.74 $324.17 $324.17
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-B Score — — — — — — — — — — — — — — — — — — — — -0.005
Piotroski F-Score 6 8 7 6 5 3 5 3 4 5 5 6 5 4 6 6 5 6 6 5 5
Beneish M-Score -2.83 -1.80 -0.99 -2.65 -2.96 -3.34 -3.19 -3.04 -3.74 -2.71 -2.81 -3.11 -3.12 -3.09 -4.08 -2.54 -3.80 -2.91 -2.87 -3.24 -3.239
Ohlson O-Score snapshot only -6.518
Net-Net WC snapshot only $-319.87
EVA snapshot only $-2021037849.07
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 B-
Credit Score 60.71 66.61 64.48 68.56 36.95 19.22 18.96 18.39 18.34 22.93 29.31 23.09 17.85 14.41 14.25 18.03 21.08 25.60 28.32 21.16 21.160
Credit Grade snapshot only 16
Credit Trend snapshot only 3.127
Implied Spread (bps) snapshot only 900.000
Industry Credit Rank snapshot only 6
Sector Credit Rank snapshot only 6

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