— Know what they know.
Not Investment Advice
Also trades as: LFT-PA (NYSE) · $vol 0M

LFT NYSE

Lument Finance Trust, Inc.
1W: -1.7% 1M: -13.1% 3M: -14.4% YTD: -17.5% 1Y: -53.1% 3Y: -11.7% 5Y: -50.0%
$1.11
-0.01 (-0.89%)
 
Weekly Expected Move ±4.8%
$1 $1 $1 $1 $1
NYSE · Real Estate · REIT - Mortgage · Alpha Radar Strong Sell · Power 32 · $58.2M mcap · 33M float · 0.430% daily turnover · Short 56% 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.

WEAK EDGE
44.7 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 2.9%  ·  5Y Avg: 2.1%
Cost Advantage ★
62
Intangibles
29
Switching Cost
48
Network Effect
54
Scale
33
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. LFT shows a Weak competitive edge (44.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 2.9% 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
Analyst Recommendations
Strong Buy: 0Buy: 3Hold: 4Sell: 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+
May 22, 2026
DCF
3
ROE
1
ROA
1
D/E
1
P/E
1
P/B
5
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. LFT receives an overall rating of C+. Strongest factors: P/B (5/5). Areas of concern: ROE (1/5), ROA (1/5), D/E (1/5), P/E (1/5).
Rating Change History
DateFromTo
2026-03-24 C- C+
2026-03-24 B C-
2026-03-04 B- B
2026-02-24 C+ B-
2026-02-09 B- C+
2026-02-06 C+ B-
2026-02-04 B- 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.

28 Grade D
Profitability
41
Balance Sheet
20
Earnings Quality
73
Growth
52
Value
42
Momentum
50
Safety
15
Cash Flow
37
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. LFT scores highest in Earnings Quality (73/100) and lowest in Safety (15/100). 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
0.32
Distress Zone
Piotroski F-Score
5/9
Beneish M-Score
-2.95
Unlikely Manipulator
Ohlson O-Score
-4.42
Bankruptcy prob: 1.2%
Low Risk
Credit Rating
B
Score: 28.1/100
Trend: Improving
Earnings Quality
OCF/NI: -4.75x
Accruals: -1.0%
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. LFT scores 0.32, 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. LFT 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. LFT's score of -2.95 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. LFT's implied 1.2% 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. LFT receives an estimated rating of B (score: 28.1/100), 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
-28.85x
PEG
0.16x
P/S
0.78x
P/B
0.27x
P/FCF
6.90x
P/OCF
6.90x
EV/EBITDA
24.97x
EV/Revenue
13.51x
EV/EBIT
25.64x
EV/FCF
107.68x
Earnings Yield
-3.05%
FCF Yield
14.50%
Shareholder Yield
19.24%
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. LFT 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
0.998
NI / EBT
×
Interest Burden
-0.050
EBT / EBIT
×
EBIT Margin
0.527
EBIT / Rev
×
Asset Turnover
0.065
Rev / Assets
×
Equity Multiplier
5.133
Assets / Equity
=
ROE
-0.9%
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. LFT's ROE of -0.9% is driven by financial leverage (equity multiplier: 5.13x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 1.00 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

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

Adj. Growth Rate
0.00%
Fair P/E
8.50x
Intrinsic Value
Price/Value
Margin of Safety
Premium
Assessment
Overvalued

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
$1.11
Median 1Y
$0.96
5th Pctile
$0.48
95th Pctile
$1.91
Ann. Volatility
43.4%
25th–75th percentile 5th–95th percentile Median path Historical

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees
550
-8.3% YoY
Revenue / Employee
$143,964
Rev: $79,180,067
Profit / Employee
$-4,991
NI: $-2,745,309
SGA / Employee
$7,178
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 Q2'21 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 Current
ROE 8.6% 8.4% 7.4% 7.5% 8.7% 8.1% 4.8% 5.6% 5.2% 7.6% 7.7% 8.7% 9.5% 9.5% 9.5% 6.3% 6.0% 4.1% -1.2% -0.9% -0.88%
ROA 1.5% 1.5% 1.3% 1.3% 1.5% 1.4% 0.9% 1.1% 1.0% 1.4% 1.4% 1.6% 1.8% 1.8% 1.8% 1.2% 1.1% 0.8% -0.2% -0.2% -0.17%
ROIC -0.7% -0.7% 0.6% 1.5% 2.6% 2.8% 2.1% 1.4% 0.8% 0.7% 0.2% 0.2% 0.0% 0.0% 0.0% 1.3% 3.0% 4.5% 2.6% 2.9% 2.87%
ROCE 6.7% 6.8% 4.8% 4.7% 4.4% 4.7% 6.6% 7.6% 9.0% 7.7% 3.1% 1.8% 0.0% 0.0% 0.0% 1.3% 2.8% 4.2% 3.2% 3.3% 3.31%
Gross Margin 99.1% 98.1% 95.5% 98.5% 98.8% 98.5% 95.6% 99.1% 76.0% 1.0% 1.0% 1.0% 1.0% 1.0% 1.0% 34.9% 90.6% 87.8% -29.8% 89.7% 89.72%
Operating Margin -44.0% -20.3% 1.7% 1.5% 1.5% 7.5% 66.7% 4.6% 34.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 62.8% 84.0% 83.2% -47.7% 86.0% 86.01%
Net Margin 31.4% 49.1% 58.8% 57.3% 51.7% 27.1% 29.3% 63.5% 34.1% 74.4% 62.3% 66.7% 59.5% 74.6% 58.0% -2.3% 17.9% 10.1% -47.7% 1.0% 0.98%
EBITDA Margin 86.2% 1.5% 60.5% 1.5% 1.5% 7.5% 5.7% -11.5% 34.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 64.2% 84.7% 84.1% -45.9% 75.2% 75.17%
FCF Margin 71.5% 79.2% 65.7% 70.6% 66.4% 58.3% 67.2% 66.9% 66.1% 66.1% 78.9% 80.8% 84.0% 86.6% 77.8% 47.4% 34.0% 21.8% 13.0% 12.5% 12.55%
OCF Margin 71.5% 79.2% 65.7% 70.6% 66.4% 58.3% 67.2% 66.9% 66.1% 66.1% 78.9% 80.8% 84.0% 86.6% 77.8% 47.4% 34.0% 21.8% 13.0% 12.5% 12.55%
ROE 3Y Avg snapshot only 4.71%
ROE 5Y Avg snapshot only 5.04%
ROA 3Y Avg snapshot only 0.87%
ROIC 3Y Avg snapshot only 2.09%
ROIC Economic snapshot only 2.82%
Cash ROA snapshot only 0.79%
Cash ROIC snapshot only 0.81%
CROIC snapshot only 0.81%
NOPAT Margin snapshot only 44.51%
Pretax Margin snapshot only -2.65%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 7.69%
SBC / Revenue snapshot only 0.26%
Valuation
Metric Trend Q2'21 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 Current
P/E Ratio 6.79 6.63 5.83 6.12 6.77 6.79 7.15 6.68 6.97 5.40 5.22 5.09 4.62 5.05 5.54 8.63 7.98 10.79 -26.88 -32.75 -28.849
P/S Ratio 3.27 3.16 2.91 3.02 3.68 3.32 2.91 2.92 2.73 2.77 3.08 3.08 3.05 3.33 3.60 2.80 1.90 1.52 0.95 0.87 0.776
P/B Ratio 0.57 0.54 0.36 0.39 0.49 0.46 0.29 0.32 0.31 0.35 0.40 0.44 0.44 0.48 0.53 0.55 0.48 0.44 0.34 0.30 0.269
P/FCF 4.57 3.99 4.43 4.29 5.54 5.70 4.33 4.37 4.13 4.19 3.91 3.81 3.63 3.85 4.63 5.90 5.60 6.97 7.31 6.90 6.896
P/OCF 4.57 3.99 4.43 4.29 5.54 5.70 4.33 4.37 4.13 4.19 3.91 3.81 3.63 3.85 4.63 5.90 5.60 6.97 7.31 6.90 6.896
EV/EBITDA 25.66 23.95 43.23 39.43 33.10 43.03 15.58 18.48 21.53 21.97 710.39 485.06 65.22 28.92 19.32 26.11 24.97 24.970
EV/Revenue 28.11 28.23 43.68 42.83 41.51 40.02 37.28 34.60 33.15 30.19 39.50 36.08 35.88 36.29 26.74 20.04 15.43 13.12 13.39 13.51 13.513
EV/EBIT 13.52 13.26 18.23 18.80 20.72 18.99 12.19 10.59 8.93 10.53 27.52 49.36 66.67 29.34 19.65 26.85 25.64 25.644
EV/FCF 39.34 35.64 66.46 60.68 62.49 68.58 55.43 51.73 50.17 45.68 50.08 44.67 42.72 41.89 34.36 42.29 45.41 60.12 102.87 107.68 107.683
Earnings Yield 14.7% 15.1% 17.2% 16.4% 14.8% 14.7% 14.0% 15.0% 14.4% 18.5% 19.2% 19.6% 21.6% 19.8% 18.0% 11.6% 12.5% 9.3% -3.7% -3.1% -3.05%
FCF Yield 21.9% 25.1% 22.6% 23.3% 18.0% 17.6% 23.1% 22.9% 24.2% 23.9% 25.6% 26.2% 27.5% 26.0% 21.6% 16.9% 17.8% 14.4% 13.7% 14.5% 14.50%
PEG Ratio snapshot only 0.165
Price/Tangible Book snapshot only 0.302
EV/OCF snapshot only 107.683
EV/Gross Profit snapshot only 21.099
Acquirers Multiple snapshot only 23.983
Shareholder Yield snapshot only 19.24%
Leverage & Solvency
Metric Trend Q2'21 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 Current
Current Ratio 119.67 119.67 176.78 176.78 176.78 176.78 139.71 139.71 139.71 139.71 0.00 0.00 0.00 0.00
Quick Ratio 119.67 119.67 176.78 176.78 176.78 176.78 139.71 139.71 139.71 139.71 0.00 0.00 0.00 0.00
Debt/Equity 4.42 4.42 5.16 5.16 5.16 5.16 3.61 3.61 3.61 3.61 4.96 4.96 4.96 4.96 3.68 3.68 3.68 3.68 4.51 4.51 4.512
Net Debt/Equity 4.32 4.32 5.07 5.07 5.07 5.07 3.43 3.43 3.43 3.43 4.75 4.75 4.75 4.75 3.39 3.39 3.39 3.39 4.41 4.41 4.407
Debt/Assets 0.81 0.81 0.83 0.83 0.83 0.83 0.78 0.78 0.78 0.78 0.82 0.82 0.82 0.82 0.78 0.78 0.78 0.78 0.81 0.81 0.813
Debt/EBITDA 23.20 21.77 41.04 37.27 30.69 40.14 15.12 17.81 20.80 21.01 684.35 463.57 60.94 27.53 18.54 24.84 23.93 23.931
Net Debt/EBITDA 22.68 21.28 40.35 36.64 30.17 39.46 14.36 16.92 19.76 19.96 654.97 443.66 56.12 25.35 17.08 24.25 23.37 23.371
Interest Coverage 3.31 3.01 3.25 2.81 2.20 1.95 2.26 2.05 2.00 1.36 0.60 0.30 0.00 0.00 0.00 0.19 0.48 0.79 0.72 0.74 0.735
Equity Multiplier 5.47 5.47 6.20 6.20 6.20 6.20 4.64 4.64 4.64 4.64 6.01 6.01 6.01 6.01 4.75 4.75 4.75 4.75 5.55 5.55 5.553
Debt Service Coverage snapshot only 0.755
Cash to Debt snapshot only 0.023
FCF to Debt snapshot only 0.010
Defensive Interval snapshot only 1400.2 days
Efficiency & Turnover
Metric Trend Q2'21 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 Current
Asset Turnover 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.03 0.03 0.02 0.03 0.03 0.03 0.03 0.04 0.05 0.05 0.07 0.07 0.065
Inventory Turnover
Receivables Turnover 0.03 0.03 0.03 0.03 0.03 0.03 0.05 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.07 0.09 0.10 13.64 13.42 13.416
Payables Turnover 4221.71 4221.09 1.87 2.04 2.17 2.13 0.44 0.43 1.81 1.74 1.59 1.53 0.00 0.00 0.00 10.80 12.24 13.90 29.53 20.34 20.338
DSO 10915 11015 13420 13101 12454 12078 7592 6998 6721 6057 8087 7327 7291 7317 7275 5423 4253 3646 27 27 27.2 days
DIO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 0 0 195 179 169 171 836 855 202 210 230 238 34 30 26 12 18 17.9 days
Cash Conversion Cycle 10915 11015 13225 12923 12285 11907 6755 6143 6519 5848 7858 7089 5389 4223 3620 14 9 9.3 days
Cash Velocity snapshot only 3.301
Capital Intensity snapshot only 15.937
Growth (YoY)
Metric Trend Q2'21 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 Current
Revenue 16.6% 9.2% 10.1% 11.2% 14.8% 19.5% 15.0% 21.8% 20.5% 29.7% 29.5% 31.7% 27.1% 14.2% 11.2% 35.1% 71.4% 1.0% 1.2% 63.1% 63.12%
Net Income 39.6% 29.5% 24.6% 10.0% 29.7% 22.8% -6.3% 7.7% -13.1% 35.9% 87.9% 82.1% 1.1% 46.8% 22.2% -27.6% -38.0% -57.1% -1.1% -1.1% -1.13%
EPS 45.7% 35.2% 24.8% -24.8% -38.0% -41.3% -55.2% -24.8% -13.1% 35.9% 87.8% 82.1% 1.1% 46.7% 22.1% -27.7% -38.0% -57.2% -1.1% -1.1% -1.13%
FCF 39.9% 44.2% 13.3% 17.0% 6.7% -12.0% 17.6% 15.4% 19.9% 46.9% 51.9% 59.1% 61.6% 49.6% 9.7% -20.7% -30.7% -49.5% -62.8% -56.8% -56.80%
EBITDA -18.8% -5.5% -7.9% 3.9% 31.4% -5.7% 1.7% 1.1% 48.0% 91.6% -97.0% -94.8% -1.0% -1.0% -1.0% 4.6% 1.9% 1.87%
Op. Income 99.9% 99.9% 2.3% 5.0% 7.4% 8.2% 2.4% -1.1% -70.5% -73.3% -87.2% -82.9% -1.0% -1.0% -1.0% 4.5% 2.1% 2.06%
OCF Growth snapshot only -56.80%
Asset Growth snapshot only 7.74%
Equity Growth snapshot only -7.91%
Debt Growth snapshot only 12.81%
Shares Change snapshot only 0.17%
Dividend Growth snapshot only -50.48%
Growth (CAGR)
Metric Trend Q2'21 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 Current
Revenue 3Y 56.5% 15.8% 61.6% 5.4% 11.2% 14.2% 17.5% 17.3% 19.2% 17.9% 21.3% 20.7% 20.9% 18.3% 29.4% 38.0% 43.8% 47.4% 42.7% 42.66%
Revenue 5Y 71.7% 22.6% -3.2% -3.0% 2.7% 6.1% -0.1% 39.6% 19.2% 44.4% 12.4% 15.3% 16.5% 23.6% 28.6% 31.1% 32.3% 31.5% 31.49%
EPS 3Y 44.4% -8.3% 0.3% -10.5% -3.3% -7.8% 2.5% 1.6% 1.0% 4.8% 5.4% 0.9% -0.4% 4.8% -5.2%
EPS 5Y -13.9% -19.2% -7.2% -1.5% -17.0% 19.2% 7.5% 15.0% 10.4% 3.5% 0.8% -7.5%
Net Income 3Y 44.9% 17.7% 28.7% 16.4% 22.0% 16.3% 29.3% 29.9% 29.2% 34.1% 34.8% 29.1% 12.4% 4.9% -5.1%
Net Income 5Y -1.2% -1.2% 9.3% 15.9% -3.4% 38.4% 24.8% 33.6% 29.4% 19.1% 15.9% 6.4%
EBITDA 3Y -29.4% -26.0% -16.1% 20.0% -1.6% -9.0% 24.8% 19.3% 16.5% 19.5% -57.7% -51.5% -15.0% 3.8% 29.5% -11.8% -5.7% -5.68%
EBITDA 5Y -17.7% -16.9% -19.6% -21.9% -18.9% -21.9% -4.7% -10.3% -7.3% -6.1% -45.4% -28.3% -13.1% 3.6% 14.1% 11.5% 12.9% 12.85%
Gross Profit 3Y 19.1% 15.2% 24.8% 30.4% 16.8% 23.8% 23.82%
Gross Profit 5Y -60.0% -58.7% -59.4% -58.2%
Op. Income 3Y -2.6% 4.9% 17.8% 19.8% 41.9% 41.92%
Op. Income 5Y 6.1% 15.7% 31.2% 36.9% -73.6%
FCF 3Y 9.0% 2.6% 4.2% 5.8% 19.8% 29.3% 30.8% 34.9% 21.4% 23.1% 26.5% 29.0% 27.4% 24.6% 25.1% 13.3% 10.3% 3.6% -14.7% -18.3% -18.33%
FCF 5Y 42.7% 1.1% 44.2% 36.7% 30.9% 18.8% 10.6% 6.9% 15.1% 16.8% 27.2% 36.6% 30.1% 25.4% 14.9% 7.1% -3.7% -6.0% -5.96%
OCF 3Y 9.0% 2.6% 4.2% 5.8% 19.8% 29.3% 30.8% 34.9% 21.4% 23.1% 26.5% 29.0% 27.4% 24.6% 25.1% 13.3% 10.3% 3.6% -14.7% -18.3% -18.33%
OCF 5Y 42.7% 1.1% 44.2% 36.7% 30.9% 18.8% 10.6% 6.9% 15.1% 16.8% 27.2% 36.6% 30.1% 25.4% 14.9% 7.1% -3.7% -6.0% -5.96%
Assets 3Y -38.0% -38.0% 15.6% 15.6% 15.6% 15.6% 19.7% 19.7% 19.7% 19.7% 32.5% 32.5% 32.5% 32.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.54%
Assets 5Y -24.3% -24.3% -14.5% -14.5% -14.5% -14.5% -15.5% -15.5% -15.5% -15.5% 16.3% 16.3% 16.3% 16.3% 11.4% 11.4% 11.4% 11.4% 14.4% 14.4% 14.37%
Equity 3Y -8.0% -8.0% 4.1% 4.1% 4.1% 4.1% 30.8% 30.8% 30.8% 30.8% 28.4% 28.4% 28.4% 28.4% 12.0% 12.0% 12.0% 12.0% -3.4% -3.4% -3.40%
Book Value 3Y -8.3% -8.3% 2.3% -8.6% -18.9% -18.9% 0.5% 3.7% 3.7% 3.7% 0.5% 0.4% 0.4% 0.4% -12.5% -0.7% 11.9% 11.9% -3.5% -3.5% -3.50%
Dividend 3Y 9.2% 13.5% 14.5% -3.0% -10.6% -12.1% -15.0% -11.2% -15.7% -17.8% -19.6% -20.3% -19.6% -18.1% -18.2% -0.8% 11.5% 2.7% 0.4% -21.0% -20.97%
Growth Quality
Metric Trend Q2'21 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 Current
Revenue Stability 0.84 0.91 0.74 0.01 0.20 0.16 0.65 0.00 0.98 0.93 0.96 0.94 0.78 0.91 0.95 0.89 0.78 0.71 0.66 0.82 0.816
Earnings Stability 0.37 0.53 0.65 0.00 0.10 0.56 0.47 0.12 0.67 0.98 0.83 0.76 0.69 0.92 0.87 0.69 0.53 0.29 0.00 0.06 0.064
Margin Stability 0.00 0.00 0.00 0.23 0.30 0.20 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
Rev. Growth Consistency 0.50 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
Earn. Growth Consistency 0.50 1.00 1.00 1.00 1.00 1.00 0.00 1.00 0.00 1.00 0.50 1.00 0.50 1.00 1.00 0.00 0.00 0.00 0.00 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 0.84 0.88 0.90 0.96 0.88 0.91 0.97 0.97 0.95 0.86 0.50 0.50 0.50 0.81 0.91 0.89 0.85 0.50 0.20 0.20 0.200
Earnings Smoothness 0.67 0.74 0.78 0.91 0.74 0.80 0.93 0.93 0.86 0.70 0.39 0.42 0.27 0.62 0.80 0.68 0.53 0.20
ROE Trend 0.03 0.03 -0.00 -0.01 -0.00 -0.01 -0.03 -0.03 -0.03 -0.01 0.03 0.03 0.04 0.03 0.04 -0.00 -0.01 -0.04 -0.10 -0.08 -0.085
Gross Margin Trend -22.96 -25.67 61.64 60.03 52.43 48.18 39.03 38.48 37.70 38.05 -0.04 -0.03 0.05 0.05 0.04 -0.28 -0.24 -0.23 -0.48 -0.18 -0.178
FCF Margin Trend 0.19 0.31 0.11 0.15 0.01 -0.11 0.02 -0.02 -0.03 -0.03 0.12 0.12 0.18 0.24 0.05 -0.26 -0.41 -0.55 -0.65 -0.52 -0.515
Sustainable Growth Rate 0.0% -1.3% -1.1% -1.1% -1.4% -2.9% -3.2% -2.8% -3.2% -0.8% 0.3% 1.1% 1.7% 1.2% 0.9% -4.4% -5.0% -4.9%
Internal Growth Rate 0.0% 0.1% 0.2% 0.3% 0.2% 0.2%
Cash Flow Quality
Metric Trend Q2'21 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 Current
OCF/Net Income 1.49 1.66 1.32 1.43 1.22 1.19 1.65 1.53 1.69 1.29 1.34 1.34 1.27 1.31 1.20 1.46 1.42 1.55 -3.68 -4.75 -4.749
FCF/OCF 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
FCF/Net Income snapshot only -4.749
OCF/EBITDA snapshot only 0.232
CapEx/Revenue 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%
CapEx/Depreciation snapshot only 0.000
Accruals Ratio -0.01 -0.01 -0.00 -0.01 -0.00 -0.00 -0.01 -0.01 -0.01 -0.00 -0.00 -0.01 -0.00 -0.01 -0.00 -0.01 -0.00 -0.00 -0.01 -0.01 -0.010
Sloan Accruals snapshot only 0.036
Cash Flow Adequacy snapshot only 0.754
Dividends & Buybacks
Metric Trend Q2'21 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 Current
Dividend Yield 14.7% 17.4% 19.7% 18.8% 17.2% 19.9% 23.2% 22.5% 23.1% 20.5% 18.4% 17.2% 17.8% 17.2% 16.3% 19.6% 23.1% 20.4% 28.0% 19.2% 16.22%
Dividend/Share $0.38 $0.43 $0.48 $0.34 $0.27 $0.30 $0.31 $0.33 $0.33 $0.33 $0.34 $0.35 $0.36 $0.38 $0.39 $0.49 $0.50 $0.41 $0.40 $0.24 $0.18
Payout Ratio 99.8% 1.2% 1.1% 1.2% 1.2% 1.4% 1.7% 1.5% 1.6% 1.1% 96.1% 87.5% 82.1% 87.0% 90.2% 1.7% 1.8% 2.2%
FCF Payout Ratio 67.2% 69.5% 87.3% 80.6% 95.1% 1.1% 1.0% 98.3% 95.5% 86.1% 71.9% 65.5% 64.5% 66.3% 75.3% 1.2% 1.3% 1.4% 2.0% 1.3% 1.33%
Total Payout Ratio 99.8% 1.2% 1.1% 1.2% 1.2% 1.4% 1.7% 1.5% 1.6% 1.1% 96.1% 87.5% 82.1% 87.0% 90.2% 1.7% 1.8% 2.2%
Div. Increase Streak 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 0
Chowder Number 0.46 0.65 0.78 0.53 0.68 0.64 0.59 0.63 0.44 0.32 0.27 0.23 0.27 0.32 0.31 0.60 0.62 0.29 0.29 -0.31 -0.312
Buyback 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%
Net Buyback Yield 0.0% 0.0% 0.0% -1.2% -97.1% -1.0% -1.2% 0.0% 0.0% -3.8% -3.3% -3.0% -3.0% -0.0% 0.0% -0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Total Shareholder Return 14.7% 17.4% 19.7% -1.1% -79.9% -84.3% -91.8% 22.5% 23.1% -3.6% -3.1% -2.8% -2.8% 17.2% 16.3% 19.6% 23.1% 20.4% 28.0% 19.2% 19.24%
DuPont Factors
Metric Trend Q2'21 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 Current
Tax Burden (NI/EBT) 1.02 1.01 0.99 0.99 0.98 0.99 1.00 0.91 0.91 0.93 0.94 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.998
Interest Burden (EBT/EBIT) 0.23 0.22 0.21 0.22 0.28 0.23 0.13 0.15 0.12 0.19 0.44 0.83 1.08 0.45 0.21 -0.07 -0.05 -0.050
EBIT Margin 2.08 2.13 2.40 2.28 2.00 2.11 3.06 3.27 3.71 2.87 1.44 0.73 0.00 0.00 0.00 0.30 0.53 0.67 0.50 0.53 0.527
Asset Turnover 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.03 0.03 0.02 0.03 0.03 0.03 0.03 0.04 0.05 0.05 0.07 0.07 0.065
Equity Multiplier 5.76 5.76 5.91 5.91 5.91 5.91 5.28 5.28 5.28 5.28 5.32 5.32 5.32 5.32 5.38 5.38 5.38 5.38 5.13 5.13 5.133
Per Share
Metric Trend Q2'21 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 Current
EPS (Diluted TTM) $0.38 $0.37 $0.42 $0.29 $0.24 $0.22 $0.19 $0.22 $0.21 $0.30 $0.35 $0.40 $0.44 $0.44 $0.43 $0.29 $0.27 $0.19 $-0.05 $-0.04 $-0.04
Book Value/Share $4.55 $4.55 $6.79 $4.64 $3.24 $3.24 $4.65 $4.65 $4.65 $4.65 $4.61 $4.61 $4.61 $4.60 $4.55 $4.55 $4.54 $4.54 $4.18 $4.18 $4.12
Tangible Book/Share $4.52 $4.52 $6.76 $4.63 $3.23 $3.23 $4.64 $4.64 $4.64 $4.64 $4.59 $4.59 $4.59 $4.59 $4.53 $4.53 $4.53 $4.53 $4.17 $4.17 $4.17
Revenue/Share $0.79 $0.79 $0.84 $0.59 $0.43 $0.45 $0.46 $0.50 $0.52 $0.58 $0.60 $0.66 $0.67 $0.66 $0.67 $0.89 $1.14 $1.33 $1.48 $1.46 $1.43
FCF/Share $0.57 $0.62 $0.56 $0.42 $0.29 $0.26 $0.31 $0.34 $0.35 $0.38 $0.47 $0.54 $0.56 $0.57 $0.52 $0.42 $0.39 $0.29 $0.19 $0.18 $0.18
OCF/Share $0.57 $0.62 $0.56 $0.42 $0.29 $0.26 $0.31 $0.34 $0.35 $0.38 $0.47 $0.54 $0.56 $0.57 $0.52 $0.42 $0.39 $0.29 $0.19 $0.18 $0.18
Cash/Share $0.46 $0.46 $0.59 $0.40 $0.28 $0.28 $0.84 $0.84 $0.84 $0.84 $0.98 $0.98 $0.98 $0.98 $1.32 $1.32 $1.32 $1.32 $0.44 $0.44 $0.58
EBITDA/Share $0.87 $0.93 $0.85 $0.64 $0.55 $0.42 $1.11 $0.94 $0.81 $0.80 $0.03 $0.05 $0.00 $0.00 $0.00 $0.27 $0.61 $0.90 $0.76 $0.79 $0.79
Debt/Share $20.15 $20.15 $35.02 $23.96 $16.73 $16.73 $16.78 $16.78 $16.78 $16.78 $22.84 $22.84 $22.83 $22.83 $16.75 $16.74 $16.74 $16.73 $18.88 $18.86 $18.86
Net Debt/Share $19.69 $19.69 $34.43 $23.55 $16.45 $16.44 $15.94 $15.94 $15.94 $15.94 $21.86 $21.86 $21.85 $21.85 $15.43 $15.42 $15.41 $15.41 $18.44 $18.42 $18.42
Academic Models
Metric Trend Q2'21 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 Current
Altman Z-Score 0.317
Altman Z-Prime snapshot only 0.626
Piotroski F-Score 7 7 7 5 5 6 6 7 5 8 7 7 7 6 5 4 4 4 4 5 5
Beneish M-Score -2.82 -2.87 -175.20 -1.88 -1.95 -1.87 169.88 170.24 170.11 170.38 188.72 148.01 210.85 219.01 194.57 196.66 196.22 195.68 -4.35 -2.95 -2.952
Ohlson O-Score snapshot only -4.417
ROIC (Greenblatt) snapshot only 1.41%
Net-Net WC snapshot only $-18.48
EVA snapshot only $-84435969.62
Credit
Metric Trend Q2'21 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 Current
Credit Rating snapshot only B
Credit Score 50.81 50.69 48.85 45.83 45.14 44.03 29.44 30.89 30.47 23.34 38.35 31.16 34.15 34.87 12.11 10.65 10.59 10.64 26.87 28.07 28.069
Credit Grade snapshot only 15
Credit Trend snapshot only 17.421
Implied Spread (bps) snapshot only 750.000
Industry Credit Rank snapshot only 65
Sector Credit Rank snapshot only 10

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