$9.32

+0.12 (+1.30%)

Weekly Expected Move ±2.5%

$9 $9 $9 $10 $10

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 38 · $586.5M mcap · 60M float · 0.972% daily turnover · Short 57% 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

33.7 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 4.3% · 5Y Avg: 1.0%

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. KRNY has No discernible competitive edge (33.7/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. ROIC of 4.3% suggests modest returns relative to capital deployed.

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

$11

Low

$11

Avg Target

$11

High

Based on 1 analyst since Jul 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$11.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-26	Raymond James	Tim DeLacey	Initiated	$11	—	+11.8%	$9.84
2026-06-25	Piper Sandler	—	$10	$10	+1	+18.1%	$8.89
2026-04-27	Piper Sandler	Adam Kroll	$9	$10	+0	+22.0%	$7.79
2025-12-10	Piper Sandler	—	Initiated	$9	—	+22.2%	$7.37

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

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

Rating Change History

Date	From	To
2026-10-01	C+	B-
2026-07-27	C	C+
2026-07-23	B-	C
2026-07-01	C+	B-
2026-04-24	B-	C+
2026-04-14	B	B-
2026-04-13	B-	B
2026-04-10	B	B-
2026-04-08	B-	B
2026-04-06	B	B-

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 46 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. KRNY scores highest in Momentum (79/100) and lowest in Profitability (34/100). 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-B Score

2.29

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.54

Unlikely Manipulator

Ohlson O-Score

-5.42

Bankruptcy prob: 0.4%

Low Risk

Credit Rating

Score: 43.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.04x

Accruals: -0.0%

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. KRNY scores 2.29, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. 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. KRNY scores 8/9, signaling strong financial health across all three dimensions. 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. KRNY's score of -2.54 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. KRNY's implied 0.4% 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. KRNY receives an estimated rating of BB (score: 43.1/100), 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). KRNY'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

16.07x

PEG

0.46x

P/S

1.69x

P/B

0.76x

P/FCF

16.14x

P/OCF

15.85x

EV/EBITDA

12.90x

EV/Revenue

1.93x

EV/EBIT

14.11x

EV/FCF

18.05x

Earnings Yield

6.06%

FCF Yield

6.20%

Shareholder Yield

4.66%

Graham Number

$12.51

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 16.1x earnings, KRNY trades at a reasonable valuation. An earnings yield of 6.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $12.51 per share, suggesting a potential 34% margin of safety at the current price.

DuPont Decomposition (5-Factor)

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

Tax Burden

0.765

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.137

EBIT / Rev

Asset Turnover

0.045

Rev / Assets

Equity Multiplier

10.196

Assets / Equity

ROE

4.8%

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. KRNY's ROE of 4.8% is driven by financial leverage (equity multiplier: 10.20x). 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

15.00%

Fair P/E

38.50x

Intrinsic Value

$22.08

Price/Value

0.43x

Margin of Safety

57.16%

Premium

-57.16%

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 KRNY's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. KRNY trades at a -57% premium to its adjusted intrinsic value of $22.08, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 16.1x.

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

$9.32

Median 1Y

$8.74

5th Pctile

$4.93

95th Pctile

$15.49

Ann. Volatility

35.2%

Analyst Target

$11.00

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
Craig L. Montanaro President and CEO	$770,000	$399,312	$2,097,838
Keith Suchodolski SEVP and COO	$473,464	$230,193	$898,936
Patrick M. Joyce EVP and CLO	$385,306	$149,864	$682,189
Anthony V. Bilotta, Jr. EVP and CBO	$363,925	$141,554	$644,300
Sean Byrnes EVP and CFO	$340,000	$132,248	$588,509

CEO Pay Ratio

13:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,097,838

Avg Employee Cost (SGA/emp): $167,355

Employees: 502

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

502

-0.4% YoY

Revenue / Employee

$691,510

Rev: $347,138,000

Profit / Employee

$72,239

NI: $36,264,000

SGA / Employee

$167,355

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	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	Q3'26	Q4'26	Current
ROE	6.7%	7.0%	7.4%	7.0%	6.8%	5.1%	4.4%	4.6%	4.0%	2.1%	1.8%	-10.7%	-11.3%	-8.8%	-8.9%	3.5%	3.9%	4.3%	4.7%	4.8%	4.79%
ROA	1.0%	1.0%	1.0%	0.9%	0.9%	0.6%	0.5%	0.5%	0.4%	0.2%	0.2%	-1.1%	-1.1%	-0.9%	-0.9%	0.3%	0.4%	0.4%	0.5%	0.5%	0.47%
ROIC	2.4%	2.4%	14.1%	19.3%	15.2%	4.7%	4.0%	3.8%	2.8%	1.4%	1.2%	-5.2%	-7.6%	-6.3%	-6.5%	3.2%	3.6%	4.6%	5.0%	4.3%	4.33%
ROCE	5.4%	5.8%	8.2%	5.7%	5.2%	3.1%	2.5%	2.4%	1.8%	1.2%	1.1%	-3.4%	-4.3%	-3.7%	-3.7%	1.6%	2.0%	2.5%	0.6%	2.4%	2.43%
Gross Margin	96.4%	92.0%	94.9%	80.2%	76.5%	54.1%	55.3%	53.0%	50.4%	26.6%	44.2%	40.0%	42.1%	43.3%	45.6%	45.7%	49.4%	49.8%	52.7%	51.4%	51.39%
Operating Margin	44.2%	42.6%	41.9%	25.4%	31.0%	3.1%	16.8%	18.5%	15.4%	-18.1%	10.6%	-1.0%	8.2%	9.1%	9.4%	9.6%	13.5%	13.7%	14.8%	12.6%	12.62%
Net Margin	32.3%	31.3%	30.6%	18.5%	23.5%	3.1%	13.1%	14.4%	11.6%	-20.8%	8.6%	-1.0%	6.9%	7.6%	7.9%	7.9%	10.8%	11.0%	11.9%	8.2%	8.22%
EBITDA Margin	47.0%	45.4%	44.8%	28.1%	33.3%	5.6%	18.7%	20.3%	17.0%	-16.1%	12.1%	-1.0%	9.6%	10.5%	10.8%	11.0%	14.9%	15.0%	16.1%	13.8%	13.82%
FCF Margin	27.9%	27.3%	29.3%	32.6%	37.3%	34.7%	29.0%	23.0%	19.5%	16.5%	14.9%	13.0%	9.6%	6.0%	5.9%	6.2%	6.2%	11.6%	8.9%	10.7%	10.68%
OCF Margin	29.7%	28.9%	31.2%	33.8%	38.7%	35.8%	29.9%	23.5%	19.6%	16.8%	15.0%	13.5%	10.4%	7.1%	6.9%	7.2%	6.9%	11.8%	9.2%	10.9%	10.87%
ROE 3Y Avg	snapshot only																				-1.09%
ROE 5Y Avg	snapshot only																				1.80%
ROA 3Y Avg	snapshot only																				-0.11%
ROIC 3Y Avg	snapshot only																				-3.97%
ROIC Economic	snapshot only																				1.90%
Cash ROA	snapshot only																				0.49%
Cash ROIC	snapshot only																				4.51%
CROIC	snapshot only																				4.43%
NOPAT Margin	snapshot only																				10.45%
Pretax Margin	snapshot only																				13.66%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				24.20%
SBC / Revenue	snapshot only																				0.80%

Valuation

Metric	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	Q3'26	Q4'26	Current
P/E Ratio	10.23	10.36	9.67	8.96	8.87	11.49	10.95	9.34	11.03	26.60	23.07	-4.00	-4.37	-5.92	-5.26	14.99	13.79	14.43	13.32	16.49	16.069
P/S Ratio	2.91	3.09	3.01	2.52	2.29	2.16	1.60	1.29	1.21	1.55	1.11	1.06	1.20	1.19	1.07	1.14	1.18	1.36	1.38	1.72	1.690
P/B Ratio	0.72	0.76	0.76	0.68	0.65	0.63	0.51	0.44	0.44	0.58	0.42	0.46	0.53	0.56	0.50	0.52	0.54	0.62	0.63	0.78	0.764
P/FCF	10.43	11.32	10.25	7.72	6.12	6.21	5.52	5.59	6.21	9.40	7.42	8.14	12.54	19.80	18.33	18.28	19.05	11.75	15.54	16.14	16.136
P/OCF	9.80	10.69	9.64	7.45	5.91	6.01	5.36	5.48	6.16	9.27	7.36	7.89	11.54	16.78	15.56	15.78	17.13	11.48	15.00	15.85	15.849
EV/EBITDA	-2.42	-1.92	2.70	0.62	1.26	9.92	10.00	10.05	14.67	26.40	25.98	-10.86	-6.72	-8.31	-7.23	13.02	11.50	9.33	8.76	12.90	12.905
EV/Revenue	-1.00	-0.84	1.23	0.25	0.47	2.74	2.15	1.99	2.35	2.98	2.51	2.51	1.66	1.47	1.32	1.36	1.36	1.21	1.25	1.93	1.927
EV/EBIT	-2.59	-2.05	2.88	0.66	1.35	10.93	11.22	11.26	16.70	31.53	31.56	-10.15	-6.32	-7.68	-6.71	15.07	13.04	10.43	9.66	14.11	14.111
EV/FCF	-3.59	-3.06	4.18	0.78	1.27	7.90	7.40	8.65	12.04	18.04	16.86	19.24	17.41	24.53	22.49	21.84	21.87	10.42	14.00	18.05	18.047
Earnings Yield	9.8%	9.7%	10.3%	11.2%	11.3%	8.7%	9.1%	10.7%	9.1%	3.8%	4.3%	-25.0%	-22.9%	-16.9%	-19.0%	6.7%	7.3%	6.9%	7.5%	6.1%	6.06%
FCF Yield	9.6%	8.8%	9.8%	12.9%	16.3%	16.1%	18.1%	17.9%	16.1%	10.6%	13.5%	12.3%	8.0%	5.1%	5.5%	5.5%	5.2%	8.5%	6.4%	6.2%	6.20%
PEG Ratio	snapshot only																				0.461
Price/Tangible Book	snapshot only																				0.917
EV/OCF	snapshot only																				17.725
EV/Gross Profit	snapshot only																				3.792
Acquirers Multiple	snapshot only																				14.111
Shareholder Yield	snapshot only																				4.66%
Graham Number	snapshot only																				$12.51

Leverage & Solvency

Metric	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	Q3'26	Q4'26	Current
Current Ratio	0.32	0.31	0.26	0.24	0.22	0.22	0.24	0.23	0.23	0.23	0.22	0.22	0.22	0.20	0.20	1.20	0.20	1.15	42.94	1.21	1.211
Quick Ratio	0.32	0.31	0.26	0.24	0.22	0.22	0.24	0.23	0.23	0.23	0.22	0.22	0.22	0.20	0.20	1.20	0.20	1.15	42.94	1.21	1.211
Debt/Equity	0.71	0.69	1.22	1.01	1.04	1.73	1.86	1.73	1.92	1.97	1.91	2.14	1.84	1.69	1.62	1.68	1.60	1.45	1.39	1.50	1.500
Net Debt/Equity	-0.97	-0.97	-0.45	-0.61	-0.52	0.17	0.17	0.24	0.42	0.53	0.53	0.63	0.20	0.13	0.11	0.10	0.08	-0.07	-0.06	0.09	0.092
Debt/Assets	0.10	0.10	0.16	0.12	0.11	0.18	0.19	0.19	0.20	0.21	0.21	0.21	0.18	0.16	0.16	0.16	0.16	0.14	0.14	0.15	0.150
Debt/EBITDA	6.93	6.41	10.65	9.10	9.67	21.56	27.32	25.68	32.68	46.98	52.14	-21.32	-16.91	-20.36	-19.21	35.02	29.72	24.64	21.58	22.19	22.187
Net Debt/EBITDA	-9.46	-9.02	-3.92	-5.50	-4.83	2.12	2.54	3.55	7.11	12.65	14.54	-6.26	-1.88	-1.60	-1.34	2.13	1.48	-1.19	-0.96	1.37	1.366
Interest Coverage	2.39	2.94	3.37	3.11	2.30	1.09	0.61	0.44	0.30	0.18	0.15	-0.43	-0.44	-0.34	-0.35	0.16	0.19	0.22	0.26	0.28	0.280
Equity Multiplier	7.08	7.22	7.74	8.64	9.02	9.50	9.64	9.28	9.39	9.31	9.24	10.20	10.34	10.38	10.34	10.38	10.15	10.06	9.97	10.02	10.020
Cash Ratio	snapshot only																				0.188
Debt Service Coverage	snapshot only																				0.307
Cash to Debt	snapshot only																				0.938
FCF to Debt	snapshot only																				0.032
Defensive Interval	snapshot only																				19626.4 days

Efficiency & Turnover

Metric	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	Q3'26	Q4'26	Current
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.045
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	12.60	12.84	11.98	12.06	11.51	11.05	11.36	12.20	11.62	10.90	10.74	11.34	11.13	12.04	11.64	0.12	11.68	0.12	0.12	0.06	0.060
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	29	28	30	30	32	33	32	30	31	33	34	32	33	30	31	3094	31	3059	3061	6126	6126.1 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle (trade)	29	28	30	30	32	33	32	30	31	33	34	32	33	30	31	3094	31	3059	3061	6126	—
Fixed Asset Turnover	snapshot only																				8.195
Cash Velocity	snapshot only																				0.322
Capital Intensity	snapshot only																				22.130

Growth (YoY)

Metric	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	Q3'26	Q4'26	Current
Revenue	-1.2%	-4.8%	-6.7%	-6.2%	-0.8%	3.0%	14.4%	23.4%	24.8%	23.9%	17.1%	10.3%	5.9%	11.3%	7.9%	5.1%	4.4%	-1.6%	-0.5%	1.1%	1.05%
Net Income	59.1%	43.1%	27.8%	6.8%	-10.1%	-35.2%	-46.2%	-39.6%	-47.0%	-61.4%	-61.6%	-3.1%	-3.7%	-4.8%	-5.6%	1.3%	1.3%	1.5%	1.5%	39.1%	39.08%
EPS	83.6%	69.1%	47.7%	23.3%	2.0%	-28.2%	-42.0%	-36.2%	-44.7%	-59.7%	-60.0%	-3.2%	-3.7%	-4.8%	-5.6%	1.3%	1.3%	1.5%	1.5%	38.1%	38.05%
FCF	7.6%	2.4%	57.0%	12.0%	32.7%	31.0%	13.2%	-13.0%	-34.9%	-41.0%	-39.9%	-37.5%	-48.0%	-59.7%	-57.6%	-49.8%	-32.3%	89.9%	51.3%	73.3%	73.28%
EBITDA	66.8%	50.6%	29.7%	8.4%	-9.9%	-34.5%	-45.9%	-40.7%	-46.9%	-49.4%	-47.3%	-2.3%	-2.6%	-2.7%	-3.0%	1.5%	1.5%	1.7%	1.8%	44.5%	44.46%
Op. Income	72.6%	54.9%	32.2%	9.3%	-10.4%	-36.6%	-48.6%	-43.3%	-49.8%	-53.3%	-51.3%	-2.5%	-3.0%	-3.3%	-3.7%	1.4%	1.4%	1.6%	1.7%	52.9%	52.91%
OCF Growth	snapshot only																				52.34%
Asset Growth	snapshot only																				-0.75%
Equity Growth	snapshot only																				2.78%
Debt Growth	snapshot only																				-8.48%
Shares Change	snapshot only																				0.74%
Dividend Growth	snapshot only																				-0.01%

Growth (CAGR)

Metric	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	Q3'26	Q4'26	Current
Revenue 3Y	7.0%	2.7%	-1.2%	-1.4%	-0.5%	0.2%	2.7%	5.4%	6.9%	6.7%	7.7%	8.5%	9.4%	12.4%	13.1%	12.7%	11.3%	10.7%	7.9%	5.4%	5.40%
Revenue 5Y	12.2%	11.2%	10.4%	9.8%	9.9%	9.7%	10.8%	9.9%	8.7%	6.7%	5.3%	5.4%	5.4%	6.8%	6.5%	6.3%	6.2%	5.9%	6.1%	6.3%	6.28%
EPS 3Y	53.0%	39.1%	32.6%	27.6%	25.1%	12.8%	8.0%	4.8%	1.1%	-21.2%	-30.0%	—	—	—	—	-25.5%	-21.8%	-11.1%	-2.9%	-3.6%	-3.63%
EPS 5Y	36.5%	35.3%	36.5%	34.8%	32.4%	30.4%	23.5%	26.3%	15.1%	-4.9%	-11.6%	—	—	—	—	-5.7%	-2.2%	-3.1%	-4.8%	-6.8%	-6.76%
Net Income 3Y	41.0%	28.0%	22.1%	17.0%	15.0%	4.0%	0.1%	-3.2%	-8.8%	-29.0%	-35.9%	—	—	—	—	-27.2%	-22.9%	-12.0%	-3.7%	-3.9%	-3.86%
Net Income 5Y	32.5%	30.8%	31.4%	29.4%	27.4%	26.0%	19.8%	15.8%	6.0%	-12.1%	-17.8%	—	—	—	—	-10.3%	-8.1%	-8.8%	-9.3%	-10.5%	-10.52%
EBITDA 3Y	32.3%	26.0%	20.6%	17.2%	14.7%	4.2%	1.9%	-2.4%	-7.3%	-20.7%	-28.2%	—	—	—	—	-28.7%	-24.3%	-14.1%	-5.9%	-4.0%	-4.05%
EBITDA 5Y	29.3%	27.3%	28.0%	26.6%	24.4%	18.9%	13.3%	9.3%	2.1%	-7.9%	-12.9%	—	—	—	—	-10.7%	-8.2%	-9.0%	-10.2%	-10.7%	-10.71%
Gross Profit 3Y	15.4%	12.6%	10.3%	9.7%	8.8%	5.4%	4.3%	2.2%	-0.6%	-6.4%	-9.8%	-13.5%	-16.6%	-12.8%	-13.2%	-11.4%	-9.4%	-5.2%	-2.0%	0.1%	0.05%
Gross Profit 5Y	17.6%	16.7%	16.5%	15.0%	13.7%	11.1%	9.1%	6.0%	2.8%	-1.0%	-3.3%	-4.1%	-4.9%	-2.1%	-1.5%	-1.7%	-1.2%	-1.9%	-2.6%	-3.2%	-3.18%
Op. Income 3Y	33.5%	27.1%	21.6%	18.1%	15.6%	4.2%	1.7%	-2.9%	-8.1%	-22.8%	-30.8%	—	—	—	—	-30.5%	-25.7%	-14.5%	-5.4%	-3.3%	-3.27%
Op. Income 5Y	30.5%	28.3%	29.0%	27.5%	25.0%	19.1%	13.0%	9.0%	1.4%	-9.5%	-14.8%	—	—	—	—	-11.5%	-8.7%	-9.3%	-10.5%	-10.9%	-10.92%
FCF 3Y	15.0%	12.1%	13.0%	32.4%	42.1%	35.3%	50.4%	72.2%	95.1%	37.6%	2.2%	-15.2%	-23.4%	-32.2%	-33.9%	-35.1%	-38.8%	-23.3%	-27.2%	-18.4%	-18.39%
FCF 5Y	14.8%	16.4%	14.7%	22.5%	24.6%	23.1%	20.2%	11.3%	5.6%	1.7%	-0.4%	4.8%	-0.6%	-10.0%	-2.8%	9.9%	21.2%	14.8%	-7.3%	-11.9%	-11.93%
OCF 3Y	10.4%	7.9%	9.5%	26.8%	37.4%	31.4%	39.1%	53.2%	61.5%	27.5%	0.6%	-16.5%	-22.9%	-29.7%	-31.6%	-32.7%	-37.4%	-23.5%	-27.1%	-18.4%	-18.44%
OCF 5Y	15.0%	16.2%	14.1%	20.2%	21.9%	19.4%	16.2%	7.6%	1.9%	-1.4%	-3.2%	2.0%	-1.7%	-9.2%	-4.7%	5.1%	10.3%	9.9%	-7.7%	-12.9%	-12.93%
Assets 3Y	2.6%	2.4%	3.5%	5.2%	5.9%	7.8%	7.2%	6.1%	2.9%	2.5%	2.1%	1.8%	2.7%	2.5%	1.5%	0.1%	-1.0%	-2.8%	-3.1%	-1.6%	-1.61%
Assets 5Y	9.7%	9.4%	9.0%	9.9%	10.4%	11.3%	11.1%	4.2%	3.7%	3.3%	3.3%	3.0%	3.2%	3.2%	2.7%	2.8%	0.9%	0.8%	0.7%	1.1%	1.07%
Equity 3Y	-6.4%	-5.6%	-6.2%	-7.4%	-7.6%	-7.3%	-6.8%	-7.1%	-8.9%	-8.1%	-7.2%	-10.3%	-9.5%	-9.2%	-7.8%	-5.9%	-4.9%	-4.6%	-4.1%	-4.1%	-4.10%
Book Value 3Y	1.6%	2.6%	1.9%	0.9%	0.5%	0.5%	0.6%	0.5%	1.0%	2.0%	1.2%	-3.4%	-4.0%	-4.9%	-4.5%	-3.6%	-3.5%	-3.6%	-3.4%	-3.9%	-3.88%
Dividend 3Y	12.9%	13.7%	13.2%	11.5%	10.6%	7.2%	5.5%	5.6%	8.0%	9.1%	7.5%	6.5%	5.2%	4.3%	3.5%	2.4%	1.7%	1.2%	1.1%	0.5%	0.48%

Growth Quality

Metric	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	Q3'26	Q4'26	Current
Revenue Stability	0.85	0.77	0.60	0.58	0.63	0.64	0.72	0.77	0.78	0.64	0.54	0.59	0.65	0.68	0.75	0.79	0.82	0.79	0.90	0.96	0.961
Earnings Stability	0.90	0.92	0.92	0.95	0.90	0.63	0.42	0.38	0.17	0.02	0.09	0.37	0.40	0.52	0.55	0.28	0.29	0.35	0.36	0.13	0.133
Margin Stability	0.87	0.86	0.84	0.86	0.86	0.87	0.83	0.83	0.80	0.78	0.74	0.71	0.68	0.69	0.66	0.67	0.68	0.73	0.74	0.71	0.711
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
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	0.50	0.83	0.89	0.97	0.96	0.86	0.82	0.84	0.81	0.50	0.50	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.50	0.500
Earnings Smoothness	0.54	0.65	0.76	0.93	0.89	0.57	0.40	0.51	0.39	0.11	0.11	—	—	—	—	—	—	—	—	0.67	0.673
ROE Trend	0.03	0.03	0.03	0.02	0.02	-0.01	-0.02	-0.02	-0.03	-0.04	-0.04	-0.18	-0.18	-0.13	-0.13	0.07	0.08	0.08	0.09	0.09	0.087
Gross Margin Trend	0.22	0.23	0.25	0.18	0.08	-0.04	-0.19	-0.26	-0.34	-0.36	-0.36	-0.34	-0.30	-0.19	-0.13	-0.06	-0.00	0.03	0.06	0.08	0.082
FCF Margin Trend	0.20	0.16	0.16	0.16	0.22	0.17	0.06	-0.07	-0.13	-0.14	-0.14	-0.15	-0.19	-0.20	-0.16	-0.12	-0.08	0.00	-0.01	0.01	0.010
Sustainable Growth Rate	4.0%	4.1%	4.3%	3.8%	3.6%	1.9%	1.2%	1.4%	0.7%	-1.1%	-1.4%	—	—	—	—	-0.2%	0.2%	0.6%	1.1%	1.1%	1.11%
Internal Growth Rate	0.6%	0.6%	0.6%	0.5%	0.5%	0.2%	0.1%	0.2%	0.1%	—	—	—	—	—	—	—	0.0%	0.1%	0.1%	0.1%	0.11%

Cash Flow Quality

Metric	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	Q3'26	Q4'26	Current
OCF/Net Income	1.04	0.97	1.00	1.20	1.50	1.91	2.04	1.70	1.79	2.87	3.14	-0.51	-0.38	-0.35	-0.34	0.95	0.80	1.26	0.89	1.04	1.041
FCF/OCF	0.94	0.94	0.94	0.96	0.96	0.97	0.97	0.98	0.99	0.99	0.99	0.97	0.92	0.85	0.85	0.86	0.90	0.98	0.97	0.98	0.982
FCF/Net Income	snapshot only																				1.022
OCF/EBITDA	snapshot only																				0.728
CapEx/Revenue	1.8%	1.6%	1.8%	1.2%	1.4%	1.1%	0.8%	0.5%	0.2%	0.2%	0.1%	0.4%	0.8%	1.1%	1.0%	1.0%	0.7%	0.3%	0.3%	0.2%	0.19%
CapEx/Depreciation	snapshot only																				0.152
Accruals Ratio	-0.00	0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.02	-0.02	-0.01	-0.01	0.00	0.00	-0.00	0.00	-0.00	-0.000
Sloan Accruals	snapshot only																				0.007
Cash Flow Adequacy	snapshot only																				1.324
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q3'26	Q4'26	Current
Dividend Yield	4.0%	4.0%	4.3%	5.1%	5.4%	5.4%	6.6%	7.5%	7.5%	5.7%	7.8%	7.9%	7.0%	6.7%	7.4%	7.1%	6.8%	5.9%	5.8%	4.7%	4.72%
Dividend/Share	$0.39	$0.42	$0.44	$0.46	$0.47	$0.45	$0.45	$0.45	$0.45	$0.45	$0.45	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44	$0.44
Payout Ratio	40.7%	41.5%	41.5%	45.4%	47.5%	62.0%	72.0%	69.8%	82.8%	1.5%	1.8%	—	—	—	—	1.1%	94.0%	85.8%	77.5%	76.8%	76.76%
FCF Payout Ratio	41.5%	45.3%	44.0%	39.2%	32.8%	33.5%	36.3%	41.8%	46.6%	53.9%	57.8%	64.7%	87.5%	1.3%	1.4%	1.3%	1.3%	69.8%	90.4%	75.1%	75.10%
Total Payout Ratio	2.6%	2.4%	2.2%	2.4%	2.0%	2.2%	2.1%	1.4%	1.6%	2.9%	3.0%	—	—	—	—	1.1%	95.4%	85.8%	77.6%	76.8%	76.78%
Div. Increase Streak	0	1	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	0
Chowder Number	0.17	0.18	0.17	0.12	0.10	0.02	0.00	0.00	-0.00	0.01	0.04	0.05	0.04	0.05	0.07	0.07	0.07	0.06	0.07	0.05	0.054
Buyback Yield	21.7%	18.8%	18.7%	21.6%	17.6%	13.8%	12.5%	7.3%	6.9%	5.1%	5.1%	3.4%	1.3%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	21.7%	18.8%	18.7%	21.6%	17.6%	13.8%	12.5%	7.3%	6.9%	5.1%	5.1%	3.4%	1.3%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.00%
Total Shareholder Return	25.7%	22.9%	23.0%	26.6%	23.0%	19.2%	19.1%	14.8%	14.4%	10.8%	12.9%	11.3%	8.3%	6.8%	7.5%	7.2%	6.9%	5.9%	5.8%	4.7%	4.66%

DuPont Factors

Metric	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	Q3'26	Q4'26	Current
Tax Burden (NI/EBT)	0.74	0.73	0.73	0.73	0.74	0.75	0.76	0.78	0.78	0.62	0.60	1.07	1.04	1.05	1.04	0.84	0.82	0.81	0.81	0.77	0.765
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.39	0.41	0.43	0.38	0.35	0.25	0.19	0.18	0.14	0.09	0.08	-0.25	-0.26	-0.19	-0.20	0.09	0.10	0.12	0.13	0.14	0.137
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.045
Equity Multiplier	6.78	6.96	7.30	7.75	7.98	8.28	8.64	8.95	9.20	9.41	9.44	9.70	9.84	9.81	9.75	10.29	10.25	10.22	10.15	10.20	10.196

Per Share

Metric	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	Q3'26	Q4'26	Current
EPS (Diluted TTM)	$0.96	$1.02	$1.07	$1.00	$0.98	$0.73	$0.62	$0.64	$0.54	$0.29	$0.25	$-1.39	$-1.45	$-1.12	$-1.13	$0.42	$0.47	$0.51	$0.57	$0.57	$0.57
Book Value/Share	$13.61	$13.82	$13.68	$13.29	$13.31	$13.42	$13.37	$13.65	$13.47	$13.61	$13.65	$12.10	$12.04	$11.89	$11.93	$11.89	$11.96	$12.01	$12.06	$12.13	$12.20
Tangible Book/Share	$10.73	$10.84	$10.62	$10.11	$10.06	$10.13	$10.08	$10.30	$10.09	$10.19	$10.23	$10.25	$10.19	$10.05	$10.09	$10.05	$10.14	$10.19	$10.25	$10.32	$10.32
Revenue/Share	$3.37	$3.41	$3.44	$3.57	$3.79	$3.90	$4.24	$4.66	$4.94	$5.04	$5.17	$5.25	$5.28	$5.58	$5.53	$5.47	$5.46	$5.45	$5.46	$5.49	$5.52
FCF/Share	$0.94	$0.93	$1.01	$1.17	$1.42	$1.35	$1.23	$1.07	$0.96	$0.83	$0.77	$0.68	$0.50	$0.33	$0.32	$0.34	$0.34	$0.63	$0.49	$0.59	$0.59
OCF/Share	$1.00	$0.99	$1.07	$1.21	$1.47	$1.40	$1.27	$1.09	$0.97	$0.84	$0.78	$0.71	$0.55	$0.39	$0.38	$0.39	$0.38	$0.65	$0.50	$0.60	$0.60
Cash/Share	$22.87	$22.93	$22.75	$21.49	$20.67	$20.94	$22.56	$20.39	$20.18	$19.55	$18.80	$18.26	$19.65	$18.52	$18.01	$18.81	$18.21	$18.20	$17.50	$17.07	$17.17
EBITDA/Share	$1.40	$1.49	$1.56	$1.47	$1.43	$1.08	$0.91	$0.92	$0.79	$0.57	$0.50	$-1.21	$-1.31	$-0.99	$-1.01	$0.57	$0.64	$0.70	$0.78	$0.82	$0.82
Debt/Share	$9.67	$9.52	$16.63	$13.40	$13.79	$23.23	$24.88	$23.67	$25.80	$26.76	$26.08	$25.86	$22.11	$20.10	$19.36	$20.02	$19.17	$17.36	$16.76	$18.19	$18.19
Net Debt/Share	$-13.20	$-13.40	$-6.12	$-8.09	$-6.89	$2.28	$2.32	$3.28	$5.61	$7.21	$7.27	$7.60	$2.46	$1.58	$1.35	$1.22	$0.96	$-0.84	$-0.75	$1.12	$1.12

Per Employee

Metric	Q1'22	Current
Employee Count	snapshot only	502
Revenue/Employee	snapshot only	$691509.96
Income/Employee	snapshot only	$72239.04
EBITDA/Employee	snapshot only	$103249.00
FCF/Employee	snapshot only	$73830.68
Assets/Employee	snapshot only	$15303197.21
Market Cap/Employee	snapshot only	$1191356.97

Academic Models

Metric	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	Q3'26	Q4'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.292
Altman Z-Prime	snapshot only																				1.313
Piotroski F-Score	7	6	6	5	4	4	5	5	6	6	5	4	5	5	5	7	6	7	7	8	8
Beneish M-Score	-2.71	-2.62	-2.61	-2.32	-2.10	-1.65	-1.62	-1.81	-1.95	-1.84	-2.28	-2.35	-2.46	-2.71	-2.65	183.91	-2.57	186.46	179.08	-2.54	-2.541
Ohlson O-Score	snapshot only																				-5.425
ROIC (Greenblatt)	snapshot only																				3.79%
Net-Net WC	snapshot only																				$0.34
EVA	snapshot only																				$-47483800.00

Credit

Metric	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	Q3'26	Q4'26	Current
Credit Rating	snapshot only																				BB
Credit Score	53.94	57.02	54.12	47.61	50.02	45.04	41.79	42.17	39.37	31.41	31.69	18.94	25.48	25.10	25.56	41.89	33.34	41.72	51.56	43.11	43.108
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				1.222
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				25
Sector Credit Rank	snapshot only																				28

KRNY NASDAQ

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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