$11.53

-0.05 (-0.43%)

After Hours: $10.86 (-0.67, -5.81%)

Weekly Expected Move ±5.2%

$10 $11 $12 $12 $13

NYSE · Real Estate · REIT - Diversified · Tech Score Buy · Power 62 · $675.4M mcap · 54M float · 1.57% daily turnover · Short 57% 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.

NO EDGE

31.8 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 0.0% · 5Y Avg: -1.4%

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. JBGS has No discernible competitive edge (31.8/100). The business operates without significant structural advantages. The primary source of advantage is Switching Costs. Negative ROIC of 0.0% 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

$12

Low

$12

Avg Target

$13

High

Based on 2 analysts since Feb 17, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusHold

Avg Target$12.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-21	Evercore ISI	Steve Sakwa	$18	$12	-6	+5.8%	$11.34
2026-08-04	Capital One Financial	—	Initiated	$13	—	+12.7%	$11.54
2025-11-14	Evercore ISI	Steve Sakwa	$17	$18	+1	+2.7%	$17.54
2025-10-09	New Street	—	Initiated	$19	—	-10.9%	$21.32
2024-09-16	Evercore ISI	Steve Sakwa	$14	$17	+2	-6.9%	$18.26
2024-05-16	BMO Capital	John Kim	Initiated	$18	—	+21.3%	$14.85
2024-04-10	Evercore ISI	Steve Sakwa	$25	$14	-10	-4.4%	$15.16
2022-09-19	Evercore ISI	—	Initiated	$25	—	+15.0%	$21.73

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 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. JBGS 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).

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.

★ ★ ★ ★ ★ 25 Grade D

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. JBGS scores highest in Momentum (49/100) and lowest in Safety (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman Z-Score

-0.15

Distress Zone

Piotroski F-Score

5/9

✗ ✓ ✗ ✓ ✗ ✓ ✓ ✗ ✓

Beneish M-Score

-7.34

Unlikely Manipulator

Ohlson O-Score

-6.13

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

CCC

Score: 9.4/100

Trend: Improving

Earnings Quality

—

OCF/NI: -0.42x

Accruals: -4.9%

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. JBGS scores -0.15, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. JBGS 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. JBGS's score of -7.34 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. JBGS'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. JBGS receives an estimated rating of CCC (score: 9.4/100), 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

-4.43x

PEG

0.11x

P/S

1.33x

P/B

0.63x

P/FCF

10.21x

P/OCF

13.26x

EV/EBITDA

24.62x

EV/Revenue

6.59x

EV/EBIT

-61.35x

EV/FCF

40.01x

Earnings Yield

-17.77%

FCF Yield

9.80%

Shareholder Yield

16.50%

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. JBGS 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

0.799

NI / EBT

Interest Burden

3.482

EBT / EBIT

EBIT Margin

-0.107

EBIT / Rev

Asset Turnover

0.115

Rev / Assets

Equity Multiplier

3.687

Assets / Equity

ROE

-12.7%

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. JBGS's ROE of -12.7% is driven by financial leverage (equity multiplier: 3.69x). 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

—

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

$11.54

Median 1Y

$9.51

5th Pctile

$5.37

95th Pctile

$16.84

Ann. Volatility

34.9%

Analyst Target

$12.50

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

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
W. Matthew Kelly Chief Executive Officer	$750,000	$3,499,994	$5,521,861
M. Moina Banerjee Chief Financial Officer	$550,000	$787,491	$2,273,358
George L. Xanders Chief Investment Officer	$500,000	$799,998	$2,151,865
Steven A. Museles Chief Legal Officer	$400,000	$597,492	$1,681,356
Evan Regan-Levine Strategy rategy Officer	$400,000	$374,991	$1,458,846

CEO Pay Ratio

Insufficient data for pay ratio.

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

596

-7.6% YoY

Revenue / Employee

$836,574

Rev: $498,598,000

Profit / Employee

$-233,327

NI: $-139,063,000

SGA / Employee

—

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	-2.1%	-2.6%	-1.9%	2.3%	1.6%	3.1%	3.8%	-1.0%	-2.6%	-3.3%	-5.5%	-6.4%	-5.5%	-7.1%	-8.4%	-9.1%	-10.0%	-9.4%	-8.3%	-12.7%	-12.72%
ROA	-1.1%	-1.3%	-0.9%	1.2%	0.8%	1.4%	1.8%	-0.5%	-1.1%	-1.4%	-2.4%	-2.7%	-2.1%	-2.7%	-3.1%	-3.1%	-3.2%	-3.0%	-2.5%	-3.4%	-3.45%
ROIC	-0.2%	-0.0%	-0.0%	0.1%	0.3%	0.4%	1.7%	2.3%	2.1%	2.3%	1.3%	0.1%	0.3%	0.1%	0.0%	0.1%	-0.1%	-0.0%	-0.1%	0.0%	0.03%
ROCE	-0.1%	-0.4%	0.0%	2.7%	2.3%	3.1%	3.0%	0.4%	-0.3%	-0.6%	-1.1%	-1.6%	-0.7%	-1.3%	-1.5%	-1.2%	-1.3%	-1.1%	-0.2%	-1.4%	-1.37%
Gross Margin	46.5%	46.9%	47.0%	48.8%	51.0%	50.9%	51.3%	52.5%	51.6%	52.5%	50.8%	48.8%	50.6%	49.8%	48.9%	51.7%	49.2%	48.7%	-8.8%	-6.6%	-6.55%
Operating Margin	0.5%	-2.0%	-0.0%	3.5%	8.5%	2.6%	40.6%	42.6%	0.0%	5.2%	1.3%	-1.7%	5.1%	0.2%	-3.4%	0.9%	-0.3%	1.3%	-6.2%	6.3%	6.29%
Net Margin	0.6%	-35.9%	-0.0%	84.7%	-13.1%	-12.3%	13.8%	-6.9%	-38.3%	-22.1%	-22.2%	-18.0%	-19.8%	-45.8%	-37.9%	-15.2%	-23.1%	-35.7%	-14.7%	-45.7%	-45.72%
EBITDA Margin	47.7%	8.0%	47.6%	1.5%	33.4%	39.0%	40.4%	42.4%	5.6%	30.4%	28.3%	35.5%	38.6%	9.9%	22.0%	45.9%	38.1%	16.6%	45.1%	7.9%	7.89%
FCF Margin	4.8%	7.7%	4.4%	-5.2%	-14.7%	-23.7%	-32.9%	-32.9%	-29.9%	-24.8%	-21.0%	-22.0%	-19.3%	-16.2%	-18.0%	-12.9%	0.7%	14.7%	13.8%	16.5%	16.48%
OCF Margin	32.0%	35.0%	35.7%	32.4%	31.6%	30.2%	26.1%	27.3%	27.5%	30.3%	29.8%	26.7%	27.6%	23.6%	20.1%	19.6%	16.6%	14.7%	12.6%	12.7%	12.68%
ROE 3Y Avg	snapshot only																				-11.01%
ROE 5Y Avg	snapshot only																				-6.33%
ROA 3Y Avg	snapshot only																				-3.22%
ROIC 3Y Avg	snapshot only																				-2.01%
ROIC Economic	snapshot only																				0.03%
Cash ROA	snapshot only																				1.51%
Cash ROIC	snapshot only																				1.81%
CROIC	snapshot only																				2.35%
NOPAT Margin	snapshot only																				0.23%
Pretax Margin	snapshot only																				-37.41%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				11.33%
SBC / Revenue	snapshot only																				6.82%

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	-47.06	-39.30	-53.18	35.97	38.33	22.21	14.14	-53.91	-20.10	-18.64	-10.34	-8.85	-12.18	-8.78	-8.12	-7.64	-8.71	-7.26	-7.70	-5.63	-4.431
P/S Ratio	5.15	4.91	4.93	3.92	2.97	3.13	2.52	2.43	2.18	2.46	2.31	2.25	2.51	2.30	2.44	2.26	2.66	2.02	1.71	1.68	1.332
P/B Ratio	1.04	1.07	1.09	0.87	0.66	0.71	0.56	0.57	0.56	0.67	0.64	0.64	0.75	0.70	0.81	0.88	1.12	0.87	0.76	0.80	0.632
P/FCF	108.27	63.54	111.46	-75.69	-20.21	-13.19	-7.67	-7.39	-7.30	-9.91	-10.99	-10.20	-13.01	-14.21	-13.58	-17.46	355.42	13.78	12.40	10.21	10.208
P/OCF	16.10	14.02	13.82	12.07	9.41	10.36	9.66	8.91	7.91	8.13	7.76	8.42	9.10	9.74	12.11	11.54	16.09	13.78	13.54	13.26	13.258
EV/EBITDA	21.82	25.34	22.43	11.45	11.34	10.39	9.55	16.38	19.58	22.03	23.66	26.87	21.23	24.15	26.77	24.22	26.10	22.72	18.23	24.62	24.617
EV/Revenue	8.28	8.72	8.34	6.92	6.49	6.80	6.10	6.36	6.24	6.55	6.31	6.60	7.01	6.82	7.17	7.08	7.53	6.97	6.63	6.59	6.593
EV/EBIT	-635.55	-249.90	25661.29	28.87	30.48	23.05	21.48	159.78	-217.67	-119.79	-63.40	-47.65	-108.23	-61.78	-57.00	-69.80	-67.92	-78.32	-356.83	-61.35	-61.347
EV/FCF	174.04	112.82	188.30	-133.85	-44.10	-28.65	-18.55	-19.36	-20.89	-26.36	-29.96	-29.96	-36.36	-42.11	-39.95	-54.73	1005.57	47.47	48.20	40.01	40.015
Earnings Yield	-2.1%	-2.5%	-1.9%	2.8%	2.6%	4.5%	7.1%	-1.9%	-5.0%	-5.4%	-9.7%	-11.3%	-8.2%	-11.4%	-12.3%	-13.1%	-11.5%	-13.8%	-13.0%	-17.8%	-17.77%
FCF Yield	0.9%	1.6%	0.9%	-1.3%	-4.9%	-7.6%	-13.0%	-13.5%	-13.7%	-10.1%	-9.1%	-9.8%	-7.7%	-7.0%	-7.4%	-5.7%	0.3%	7.3%	8.1%	9.8%	9.80%
PEG Ratio	snapshot only																				0.108
Price/Tangible Book	snapshot only																				0.811
EV/OCF	snapshot only																				51.972
EV/Gross Profit	snapshot only																				32.453
Acquirers Multiple	snapshot only																				2235.957
Shareholder Yield	snapshot only																				16.50%

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	4.15	1.27	0.56	5.26	3.11	3.09	4.10	2.28	2.04	2.30	3.26	2.59	2.16	1.89	1.20	0.77	1.30	0.79	1.11	0.95	0.953
Quick Ratio	4.15	1.27	0.56	5.26	3.11	3.09	4.10	2.28	2.04	2.30	3.26	2.59	2.16	1.89	1.20	0.77	1.30	0.79	1.11	0.95	0.953
Debt/Equity	0.70	0.92	0.82	0.73	0.87	0.92	0.89	0.99	1.10	1.19	1.21	1.33	1.42	1.45	1.63	1.92	2.11	2.20	2.26	2.41	2.411
Net Debt/Equity	0.63	0.83	0.75	0.67	0.78	0.83	0.79	0.93	1.04	1.11	1.11	1.25	1.35	1.37	1.58	1.87	2.05	2.13	2.19	2.34	2.341
Debt/Assets	0.36	0.42	0.37	0.36	0.41	0.42	0.41	0.44	0.46	0.48	0.48	0.50	0.52	0.52	0.54	0.56	0.57	0.58	0.59	0.60	0.604
Debt/EBITDA	9.06	12.28	9.96	5.41	6.88	6.21	6.33	10.79	13.41	14.66	16.37	18.87	14.36	16.94	18.25	16.90	17.32	16.62	13.97	18.89	18.886
Net Debt/EBITDA	8.24	11.07	9.15	4.98	6.14	5.61	5.60	10.12	12.74	13.75	14.99	17.72	13.63	16.00	17.67	16.49	16.88	16.12	13.54	18.34	18.337
Interest Coverage	-0.16	-0.45	0.00	2.15	1.78	2.20	1.90	0.26	-0.19	-0.38	-0.69	-0.87	-0.35	-0.45	-0.51	-0.42	-0.46	-0.34	-0.07	-0.41	-0.409
Equity Multiplier	1.95	2.19	2.22	2.00	2.14	2.20	2.15	2.26	2.39	2.48	2.52	2.64	2.75	2.78	3.01	3.44	3.71	3.79	3.80	4.00	3.995
Cash Ratio	snapshot only																				0.271
Debt Service Coverage	snapshot only																				1.020
Cash to Debt	snapshot only																				0.029
FCF to Debt	snapshot only																				0.033
Defensive Interval	snapshot only																				1031.7 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	0.10	0.10	0.10	0.11	0.10	0.10	0.10	0.11	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.11	0.11	0.12	0.115
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.66	2.75	3.01	2.91	2.73	2.65	2.97	2.94	2.86	2.80	2.82	2.74	2.62	2.73	2.54	2.51	2.39	2.54	2.50	2.48	2.480
Payables Turnover	3.05	3.14	6.13	5.82	2.68	2.51	2.54	2.42	2.22	2.21	2.23	2.40	2.37	2.42	2.34	2.70	5.04	2.70	4.00	5.51	5.514
DSO	137	133	121	125	134	138	123	124	128	130	130	133	139	134	144	146	153	144	146	147	147.2 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	120	116	60	63	136	145	144	151	165	165	163	152	154	151	156	135	72	135	91	66	66.2 days
Cash Conversion Cycle	18	17	62	63	-2	-7	-21	-26	-37	-35	-34	-19	-15	-17	-12	10	80	9	55	81	81.0 days
Cash Velocity	snapshot only																				6.797
Capital Intensity	snapshot only																				8.381

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	1.1%	5.2%	3.5%	0.4%	-2.1%	-4.5%	-5.4%	-2.8%	-0.7%	-0.1%	-0.1%	-4.1%	-7.3%	-9.6%	-12.4%	-11.3%	-11.0%	-8.9%	-3.3%	-1.1%	-1.08%
Net Income	-4.9%	-27.2%	53.5%	1.7%	1.7%	2.1%	2.8%	-1.4%	-2.4%	-1.9%	-2.3%	-4.4%	-76.2%	-79.5%	-17.6%	-3.1%	-32.0%	3.1%	28.6%	-0.1%	-0.08%
EPS	-4.9%	-30.2%	51.7%	1.8%	1.8%	2.2%	3.0%	-1.4%	-2.6%	-2.1%	-2.5%	-5.5%	-1.1%	-1.0%	-33.7%	-37.5%	-85.8%	-37.9%	1.5%	-17.3%	-17.25%
FCF	1.1%	1.4%	1.8%	-2.8%	-4.0%	-3.9%	-8.0%	-5.2%	-1.0%	-4.6%	36.0%	35.7%	40.1%	41.1%	25.3%	48.0%	1.0%	1.8%	1.7%	2.3%	2.26%
EBITDA	-15.7%	2.4%	39.9%	78.8%	47.6%	81.6%	62.6%	-37.5%	-44.7%	-54.6%	-58.3%	-39.4%	-3.9%	-14.1%	-11.9%	5.5%	-22.3%	-1.0%	31.4%	-9.3%	-9.31%
Op. Income	-2.9%	97.5%	94.2%	1.1%	2.0%	31.8%	45.1%	52.1%	8.0%	5.2%	-11.1%	-94.9%	-89.2%	-94.9%	-99.0%	-42.7%	-1.2%	-1.3%	-8.2%	-64.1%	-64.06%
OCF Growth	snapshot only																				-35.87%
Asset Growth	snapshot only																				-6.34%
Equity Growth	snapshot only																				-19.38%
Debt Growth	snapshot only																				1.33%
Shares Change	snapshot only																				-14.65%
Dividend Growth	snapshot only																				-14.00%

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	-0.6%	-0.5%	-0.3%	-0.8%	-1.8%	-2.2%	-2.8%	-1.6%	-0.6%	0.1%	-0.7%	-2.2%	-3.4%	-4.8%	-6.1%	-6.2%	-6.4%	-6.3%	-5.4%	-5.6%	-5.60%
Revenue 5Y	—	—	—	—	32.1%	14.4%	4.8%	-0.9%	-0.9%	-1.2%	-1.3%	-1.9%	-2.7%	-3.3%	-4.3%	-4.1%	-4.1%	-3.7%	-3.7%	-3.9%	-3.88%
EPS 3Y	—	—	—	17.5%	20.4%	15.3%	14.8%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	14.3%	14.2%	9.2%	8.4%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	-3.9%	-10.6%	-7.4%	9.7%	11.2%	13.2%	5.4%	-7.3%	-11.7%	-5.5%	-1.7%	-12.2%	-7.7%	-10.9%	-15.8%	-26.4%	-25.5%	-27.2%	-21.6%	-16.6%	-16.61%
EBITDA 5Y	—	—	—	—	—	1.6%	41.5%	11.5%	-6.2%	-10.0%	-11.7%	-13.0%	-6.1%	-10.8%	-15.5%	-12.6%	-12.5%	-6.4%	1.9%	-8.3%	-8.32%
Gross Profit 3Y	-5.5%	-4.2%	-3.8%	-3.5%	-3.0%	-2.8%	-2.4%	0.4%	2.6%	5.0%	3.6%	0.7%	-1.0%	-3.6%	-4.6%	-4.2%	-5.4%	-6.1%	-16.3%	-30.7%	-30.75%
Gross Profit 5Y	—	—	—	—	28.6%	12.4%	3.3%	-2.2%	-2.1%	-2.0%	-1.6%	-2.0%	-2.5%	-3.4%	-4.4%	-3.4%	-2.9%	-1.8%	-8.6%	-18.6%	-18.63%
Op. Income 3Y	—	—	—	-60.6%	-30.0%	-16.1%	30.1%	1.1%	—	—	—	—	—	—	—	15.4%	—	—	—	-78.2%	-78.16%
Op. Income 5Y	—	—	—	—	—	—	—	—	28.2%	17.5%	8.4%	-30.3%	-19.7%	-28.5%	-54.2%	-24.1%	—	—	—	—	—
FCF 3Y	-45.0%	-36.6%	-54.6%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	36.1%	36.05%
OCF 3Y	2.2%	5.7%	9.5%	11.0%	5.6%	1.7%	-7.6%	-7.3%	-4.0%	2.8%	-2.8%	-9.9%	-8.0%	-16.5%	-22.4%	-20.7%	-24.6%	-26.3%	-25.8%	-26.9%	-26.85%
OCF 5Y	—	—	—	—	—	1.6%	33.9%	11.6%	-2.2%	-0.5%	0.7%	1.0%	-1.1%	-5.8%	-11.9%	-13.4%	-15.2%	-15.4%	-19.9%	-21.2%	-21.15%
Assets 3Y	-0.0%	2.1%	1.6%	-2.4%	-0.7%	-0.5%	-1.7%	-3.8%	-3.4%	-3.2%	-3.5%	-3.9%	-4.8%	-7.7%	-9.2%	-6.6%	-9.2%	-9.4%	-9.4%	-9.7%	-9.68%
Assets 5Y	—	—	—	—	-0.4%	-0.6%	-0.8%	-0.4%	-1.2%	-1.7%	-2.1%	-2.4%	-3.0%	-3.5%	-5.1%	-6.9%	-6.8%	-6.3%	-6.4%	-6.6%	-6.64%
Equity 3Y	0.2%	-0.8%	-1.7%	-6.7%	-6.9%	-7.5%	-8.1%	-9.4%	-11.0%	-11.5%	-12.1%	-13.8%	-15.2%	-14.7%	-18.0%	-22.0%	-24.4%	-24.4%	-25.1%	-25.3%	-25.31%
Book Value 3Y	-2.8%	-2.9%	-2.5%	-4.1%	-1.8%	-2.3%	-2.7%	-3.2%	-2.5%	-1.4%	-1.2%	-2.6%	-2.1%	-1.8%	-5.0%	-5.6%	-6.6%	-6.1%	-6.7%	-7.8%	-7.78%
Dividend 3Y	-3.5%	-2.6%	-1.5%	1.7%	3.2%	2.4%	2.0%	2.2%	5.1%	6.5%	4.6%	3.2%	2.6%	0.3%	3.8%	9.7%	13.2%	14.4%	11.9%	11.4%	11.37%

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	0.44	0.22	0.19	0.79	0.61	0.58	0.42	0.68	0.85	0.46	0.63	0.86	0.86	0.82	0.83	0.80	0.71	0.65	0.77	0.86	0.863
Earnings Stability	0.00	0.04	0.05	0.08	0.09	0.06	0.04	0.01	0.27	0.15	0.18	0.40	0.49	0.30	0.24	0.50	0.60	0.23	0.07	0.42	0.420
Margin Stability	0.93	0.92	0.94	0.96	0.93	0.93	0.93	0.93	0.93	0.93	0.94	0.95	0.96	0.97	0.97	0.96	0.96	0.95	0.85	0.70	0.696
Rev. Growth Consistency	0.50	0.50	0.50	0.50	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	0.000
Earn. Growth Consistency	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.000
FCF Positive Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.20	0.50	0.50	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.99	0.87	0.99	0.89	1.00	1.000
Earnings Smoothness	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
ROE Trend	-0.03	-0.03	-0.01	0.03	0.03	0.06	0.07	-0.01	-0.03	-0.04	-0.07	-0.08	-0.06	-0.08	-0.09	-0.07	-0.08	-0.06	-0.02	-0.05	-0.049
Gross Margin Trend	-0.02	0.01	-0.00	-0.00	0.01	0.03	0.04	0.04	0.04	0.03	0.03	0.02	0.01	-0.01	-0.02	-0.01	-0.01	-0.01	-0.16	-0.30	-0.303
FCF Margin Trend	0.26	0.28	0.26	0.09	-0.01	-0.16	-0.32	-0.32	-0.25	-0.17	-0.07	-0.03	0.03	0.08	0.09	0.15	0.25	0.35	0.33	0.34	0.339
Sustainable Growth Rate	—	—	—	-1.6%	-2.2%	-0.8%	0.1%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Internal Growth Rate	—	—	—	—	—	—	0.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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	-2.92	-2.80	-3.85	2.98	4.07	2.14	1.46	-6.05	-2.54	-2.29	-1.33	-1.05	-1.34	-0.90	-0.67	-0.66	-0.54	-0.53	-0.57	-0.42	-0.424
FCF/OCF	0.15	0.22	0.12	-0.16	-0.47	-0.79	-1.26	-1.21	-1.08	-0.82	-0.71	-0.82	-0.70	-0.69	-0.89	-0.66	0.05	1.00	1.09	1.30	1.299
FCF/Net Income	snapshot only																				-0.551
OCF/EBITDA	snapshot only																				0.474
CapEx/Revenue	27.2%	27.3%	31.3%	37.6%	46.3%	53.9%	59.0%	60.1%	57.4%	55.2%	50.8%	48.7%	46.9%	39.8%	38.1%	32.5%	15.8%	0.0%	1.2%	3.8%	3.79%
CapEx/Depreciation	snapshot only																				0.101
Accruals Ratio	-0.04	-0.05	-0.05	-0.02	-0.02	-0.02	-0.01	-0.03	-0.04	-0.05	-0.06	-0.05	-0.05	-0.05	-0.05	-0.05	-0.05	-0.05	-0.04	-0.05	-0.049
Sloan Accruals	snapshot only																				-0.030
Cash Flow Adequacy	snapshot only																				1.055

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	3.7%	3.8%	3.8%	4.7%	6.1%	5.7%	6.9%	6.9%	7.4%	6.3%	6.1%	5.9%	4.9%	4.9%	4.8%	4.9%	4.0%	4.8%	5.1%	4.9%	6.05%
Dividend/Share	$0.90	$0.92	$0.92	$0.95	$0.97	$0.95	$0.92	$0.92	$0.97	$0.98	$0.91	$0.84	$0.81	$0.73	$0.74	$0.84	$0.87	$0.82	$0.75	$0.72	$0.70
Payout Ratio	—	—	—	1.7%	2.3%	1.3%	98.2%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF Payout Ratio	4.0%	2.4%	4.2%	—	—	—	—	—	—	—	—	—	—	—	—	—	14.1%	66.1%	63.3%	50.0%	50.00%
Total Payout Ratio	—	—	—	8.1%	11.5%	5.5%	3.7%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.02	0.02	0.02	0.02	-0.00	-0.03	-0.04	-0.06	-0.04	-0.06	-0.13	-0.18	-0.25	-0.29	-0.23	-0.21	-0.19	-0.17	-0.22	-0.22	-0.217
Buyback Yield	3.5%	5.1%	7.4%	17.9%	24.0%	19.0%	19.2%	15.0%	20.7%	22.5%	26.4%	22.7%	16.2%	13.6%	21.1%	36.8%	32.8%	43.9%	37.2%	11.6%	11.60%
Net Buyback Yield	3.5%	5.0%	7.3%	17.9%	24.0%	19.0%	19.2%	14.9%	20.6%	22.5%	26.4%	22.7%	16.2%	13.6%	21.1%	36.8%	32.8%	43.9%	37.2%	11.5%	11.51%
Total Shareholder Return	7.1%	8.8%	11.1%	22.6%	30.1%	24.7%	26.2%	21.8%	28.0%	28.8%	32.5%	28.6%	21.1%	18.5%	25.9%	41.7%	36.7%	48.7%	42.3%	16.4%	16.41%

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)	0.94	0.92	0.87	0.84	0.82	0.85	1.39	0.34	0.53	0.57	0.83	0.81	0.80	0.81	0.84	0.85	0.85	0.81	0.79	0.80	0.799
Interest Burden (EBT/EBIT)	8.91	3.89	-326.72	0.54	0.45	0.56	0.45	-3.30	7.12	4.25	2.69	2.26	3.98	2.93	2.85	3.41	3.26	3.87	15.01	3.48	3.482
EBIT Margin	-0.01	-0.03	0.00	0.24	0.21	0.29	0.28	0.04	-0.03	-0.05	-0.10	-0.14	-0.06	-0.11	-0.13	-0.10	-0.11	-0.09	-0.02	-0.11	-0.107
Asset Turnover	0.10	0.10	0.10	0.11	0.10	0.10	0.10	0.11	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.11	0.11	0.12	0.115
Equity Multiplier	1.90	2.04	2.05	1.95	2.04	2.20	2.19	2.12	2.25	2.33	2.31	2.43	2.55	2.61	2.73	2.95	3.12	3.17	3.35	3.69	3.687

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)	$-0.52	$-0.61	$-0.46	$0.56	$0.42	$0.75	$0.93	$-0.25	$-0.65	$-0.84	$-1.44	$-1.62	$-1.36	$-1.70	$-1.93	$-2.22	$-2.53	$-2.34	$-1.90	$-2.61	$-2.61
Book Value/Share	$23.50	$22.61	$22.47	$23.01	$24.09	$23.56	$23.74	$23.33	$23.39	$23.29	$23.20	$22.19	$22.07	$21.42	$19.27	$19.37	$19.64	$19.51	$19.30	$18.30	$26.95
Tangible Book/Share	$23.09	$21.04	$21.19	$21.71	$22.73	$22.96	$22.43	$22.01	$22.01	$22.70	$22.61	$21.61	$21.49	$20.87	$18.71	$18.60	$18.79	$18.99	$18.80	$18.10	$18.10
Revenue/Share	$4.76	$4.92	$4.98	$5.13	$5.36	$5.32	$5.24	$5.51	$6.00	$6.34	$6.44	$6.37	$6.61	$6.48	$6.41	$7.53	$8.28	$8.40	$8.56	$8.72	$8.72
FCF/Share	$0.23	$0.38	$0.22	$-0.27	$-0.79	$-1.26	$-1.72	$-1.81	$-1.79	$-1.58	$-1.36	$-1.40	$-1.28	$-1.05	$-1.15	$-0.97	$0.06	$1.23	$1.18	$1.44	$0.43
OCF/Share	$1.52	$1.72	$1.78	$1.66	$1.69	$1.61	$1.37	$1.50	$1.65	$1.92	$1.92	$1.70	$1.83	$1.53	$1.29	$1.47	$1.37	$1.23	$1.08	$1.11	$1.11
Cash/Share	$1.48	$2.05	$1.49	$1.34	$2.26	$2.12	$2.45	$1.43	$1.29	$1.73	$2.38	$1.80	$1.61	$1.73	$1.00	$0.90	$1.06	$1.27	$1.35	$1.28	$1.28
EBITDA/Share	$1.81	$1.69	$1.85	$3.10	$3.06	$3.48	$3.34	$2.14	$1.91	$1.89	$1.72	$1.56	$2.19	$1.83	$1.72	$2.20	$2.39	$2.58	$3.11	$2.34	$2.34
Debt/Share	$16.38	$20.78	$18.44	$16.76	$21.08	$21.64	$21.18	$23.10	$25.64	$27.64	$28.11	$29.50	$31.39	$31.01	$31.35	$37.16	$41.40	$42.86	$43.52	$44.12	$44.12
Net Debt/Share	$14.90	$18.73	$16.95	$15.42	$18.81	$19.52	$18.73	$21.67	$24.36	$25.91	$25.73	$27.71	$29.78	$29.28	$30.36	$36.26	$40.34	$41.59	$42.16	$42.84	$42.84

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 Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-0.153
Altman Z-Prime	snapshot only																				-0.743
Piotroski F-Score	5	5	5	7	6	8	7	4	5	5	4	4	4	3	3	4	3	3	5	5	5
Beneish M-Score	-2.67	-2.73	-2.83	-2.80	-2.82	-2.64	-2.90	-2.96	-3.01	-2.75	-2.81	-2.87	1.14	-2.89	-2.93	2.91	-2.85	-2.66	-0.06	-7.34	-7.344
Ohlson O-Score	snapshot only																				-6.127
Net-Net WC	snapshot only																				$-41.65
EVA	snapshot only																				$-355124390.00

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																				CCC
Credit Score	28.43	20.97	17.36	43.76	40.84	44.09	43.18	30.57	25.41	24.93	27.88	26.79	26.58	21.08	16.86	7.48	18.19	7.11	12.71	9.41	9.412
Credit Grade	snapshot only																				17
Credit Trend	snapshot only																				1.928
Implied Spread (bps)	snapshot only																				1200.000
Industry Credit Rank	snapshot only																				2
Sector Credit Rank	snapshot only																				1

JBGS 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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