Also trades as: MET (NYSE) · $vol 347M · MET-PF (NYSE) · $vol 2M · MET-PA (NYSE) · $vol 1M · 0K0X.L (LSE) · $vol 0M

$20.26

-0.02 (-0.10%)

After Hours: $20.64 (+0.38, +1.90%)

Weekly Expected Move ±1.6%

$20 $20 $20 $21 $21

NYSE · Financial Services · Insurance - Life · Tech Score Neutral · Power 51 · $42.7B mcap · 32M float · 0.327% daily turnover

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.

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: 1Buy: 19Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

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.

B-

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

Rating Change History

Date	From	To
2026-10-12	B	B-
2026-10-01	B-	B
2026-08-06	A-	B-
2026-07-27	C	A-
2026-07-01	C+	C
2026-05-06	A	C+
2026-04-01	A-	A
2026-02-06	B-	A-
2026-02-05	A-	B-
2026-01-03	A	A-

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.

★ ★ ★ ★ ★ 45 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. MET-PE scores highest in Value (89/100) and lowest in Profitability (22/100). 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-I Score

2.32

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗ ✓

Beneish M-Score

-1.61

Possible Manipulator

Ohlson O-Score

-6.35

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

A-

Score: 68.2/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 4.57x

Accruals: -1.8%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. MET-PE scores 2.32, 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. MET-PE scores 6/9, 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. MET-PE's score of -1.61 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. MET-PE'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. MET-PE receives an estimated rating of A- (score: 68.2/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). MET-PE'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

19.13x

PEG

-1.65x

P/S

0.81x

P/B

2.39x

P/FCF

0.89x

P/OCF

0.89x

EV/EBITDA

-15.67x

EV/Revenue

-1.19x

EV/EBIT

-15.67x

EV/FCF

-5.64x

Earnings Yield

24.52%

FCF Yield

112.07%

Shareholder Yield

27.86%

Graham Number

$72.16

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 19.1x earnings, MET-PE trades at a reasonable valuation. An earnings yield of 24.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $72.16 per share, suggesting a potential 256% 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

0.745

NI / EBT

Interest Burden

0.817

EBT / EBIT

EBIT Margin

0.076

EBIT / Rev

Asset Turnover

0.108

Rev / Assets

Equity Multiplier

26.518

Assets / Equity

ROE

13.2%

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. MET-PE's ROE of 13.2% is driven by financial leverage (equity multiplier: 26.52x). 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

12.53%

Fair P/E

33.55x

Intrinsic Value

$185.54

Price/Value

0.12x

Margin of Safety

87.85%

Premium

-87.85%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with MET-PE's realized 12.5% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. At an intrinsic value of $185.54, MET-PE appears undervalued with a 88% margin of safety. The adjusted fair P/E of 33.6x compares to the current market P/E of 19.1x.

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

$20.27

Median 1Y

$20.17

5th Pctile

$15.22

95th Pctile

$26.75

Ann. Volatility

16.9%

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

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Michel A. Khalaf President and CEO	$1,500,000	$11,590,462	$20,321,179
John D. McCallion EVP, CFO of MetLife, Inc., and Head of MIM	$1,012,500	$3,863,550	$8,495,557
Bill Pappas EVP and Head of GTO	$930,625	$3,322,679	$7,244,221
Ramy Tadros Regional President, U.S. Business, and Head of MLH	$907,500	$3,338,083	$7,181,487
Marlene Debel EVP, CRO of MetLife, Inc., and Head of MII	$815,000	$2,125,006	$5,640,835

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

46,000

+2.2% YoY

Revenue / Employee

$1,675,739

Rev: $77,084,000,000

Profit / Employee

$73,457

NI: $3,379,000,000

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	7.7%	9.2%	13.1%	10.0%	10.4%	10.4%	8.1%	8.9%	9.1%	5.3%	7.8%	10.1%	13.3%	15.4%	16.1%	15.6%	12.8%	12.1%	13.2%	13.2%	13.16%
ROA	0.7%	0.8%	1.0%	0.7%	0.7%	0.7%	0.5%	0.4%	0.4%	0.2%	0.3%	0.4%	0.6%	0.6%	0.7%	0.6%	0.5%	0.5%	0.5%	0.5%	0.50%
ROIC	-2.0%	-2.3%	-2.9%	-2.1%	-1.9%	-2.0%	-1.4%	-1.2%	-0.9%	-0.6%	-0.9%	-1.1%	-1.4%	-8.2%	-7.2%	-6.6%	-5.3%	-4.4%	-1.2%	-4.5%	-4.53%
ROCE	1.0%	1.2%	1.5%	1.1%	1.0%	1.1%	0.8%	0.7%	0.6%	0.5%	0.6%	0.7%	0.9%	1.0%	1.0%	1.0%	1.3%	1.2%	0.8%	1.3%	1.26%
Gross Margin	23.8%	17.6%	25.6%	19.2%	15.3%	23.3%	15.0%	15.2%	16.8%	16.7%	28.2%	25.1%	29.8%	26.4%	25.9%	26.4%	17.4%	30.5%	37.2%	14.8%	14.76%
Operating Margin	12.1%	6.5%	12.6%	6.4%	6.4%	10.6%	1.7%	2.6%	3.4%	4.9%	6.6%	6.9%	10.9%	7.5%	7.4%	5.7%	7.2%	4.7%	7.9%	5.5%	5.48%
Net Margin	9.4%	6.0%	10.6%	5.9%	5.2%	8.2%	0.5%	2.4%	3.1%	3.2%	5.5%	5.4%	7.3%	6.9%	5.2%	4.2%	5.3%	3.4%	6.2%	3.9%	3.90%
EBITDA Margin	13.5%	7.6%	14.0%	7.8%	7.4%	12.1%	3.3%	4.1%	5.0%	6.4%	8.2%	8.3%	12.3%	8.9%	8.8%	7.3%	8.8%	5.8%	9.3%	7.0%	7.03%
FCF Margin	17.2%	17.8%	18.6%	22.9%	22.3%	16.4%	16.4%	14.2%	14.3%	21.3%	21.6%	22.0%	22.2%	21.6%	23.5%	21.8%	21.4%	23.8%	21.5%	21.1%	21.07%
OCF Margin	17.2%	17.8%	18.6%	22.9%	22.3%	16.4%	16.4%	14.2%	14.3%	21.3%	21.6%	22.0%	22.2%	21.6%	23.5%	21.8%	21.4%	23.8%	21.5%	21.1%	21.07%
ROE 3Y Avg	snapshot only																				13.12%
ROE 5Y Avg	snapshot only																				12.72%
ROA 3Y Avg	snapshot only																				0.51%
ROIC Economic	snapshot only																				7.75%
Cash ROA	snapshot only																				2.18%
NOPAT Margin	snapshot only																				4.65%
Pretax Margin	snapshot only																				6.19%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				4.09%
SBC / Revenue	snapshot only																				0.00%

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	3.33	2.70	2.20	3.18	3.27	3.03	4.75	5.51	6.75	10.22	6.68	5.50	4.30	3.50	3.44	3.61	4.27	4.67	4.07	4.08	19.133
P/S Ratio	0.26	0.25	0.24	0.25	0.22	0.22	0.24	0.23	0.24	0.24	0.23	0.23	0.23	0.22	0.21	0.21	0.23	0.21	0.19	0.19	0.812
P/B Ratio	0.27	0.26	0.32	0.46	0.64	0.51	0.52	0.54	0.61	0.54	0.55	0.59	0.52	0.56	0.56	0.56	0.57	0.56	0.54	0.54	2.387
P/FCF	1.50	1.38	1.29	1.09	0.98	1.34	1.46	1.64	1.70	1.13	1.08	1.07	1.03	1.03	0.91	0.98	1.08	0.87	0.89	0.89	0.892
P/OCF	1.50	1.38	1.29	1.09	0.98	1.34	1.46	1.64	1.70	1.13	1.08	1.07	1.03	1.03	0.91	0.98	1.08	0.87	0.89	0.89	0.892
EV/EBITDA	-41.88	-36.74	-29.21	-38.10	-40.31	-38.36	-50.78	-56.32	-64.95	-83.29	-66.95	-56.09	-45.77	-9.96	-10.69	-11.45	-14.35	-15.62	-51.65	-15.67	-15.671
EV/Revenue	-4.64	-4.61	-4.34	-4.03	-3.61	-3.87	-3.92	-3.85	-4.02	-3.99	-3.98	-3.92	-4.03	-0.95	-1.03	-1.07	-1.21	-1.17	-3.95	-1.19	-1.188
EV/EBIT	-41.88	-36.74	-29.21	-38.10	-40.31	-38.36	-50.78	-56.32	-64.95	-83.29	-66.95	-56.09	-45.77	-9.96	-10.69	-11.45	-14.35	-15.62	-51.65	-15.67	-15.671
EV/FCF	-26.98	-25.91	-23.35	-17.65	-16.20	-23.62	-23.94	-27.17	-28.14	-18.73	-18.41	-17.85	-18.15	-4.39	-4.36	-4.91	-5.67	-4.94	-18.38	-5.64	-5.636
Earnings Yield	30.0%	37.0%	45.5%	31.5%	30.6%	33.1%	21.1%	18.2%	14.8%	9.8%	15.0%	18.2%	23.2%	28.6%	29.0%	27.7%	23.4%	21.4%	24.6%	24.5%	24.52%
FCF Yield	66.9%	72.4%	77.7%	91.6%	1.0%	74.5%	68.5%	60.8%	58.7%	88.4%	92.2%	93.8%	97.1%	97.5%	1.1%	1.0%	92.3%	1.1%	1.1%	1.1%	1.12%
EV/OCF	snapshot only																				-5.636
EV/Gross Profit	snapshot only																				-4.648
Acquirers Multiple	snapshot only																				-19.186
Shareholder Yield	snapshot only																				27.86%
Graham Number	snapshot only																				$72.16

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	—	—	—	—	—	—	—	—	—	2783.29	—	—	—	—	—	—	0.61	0.65	85.01	0.65	0.650
Quick Ratio	—	—	—	—	—	—	—	—	—	2783.29	—	—	—	—	—	—	0.61	0.65	85.01	0.65	0.650
Debt/Equity	0.25	0.26	0.32	0.46	0.71	0.60	0.56	0.59	0.73	0.63	0.67	0.67	0.61	0.68	0.70	0.72	0.69	0.71	0.74	0.78	0.778
Net Debt/Equity	-5.06	-5.19	-6.10	-7.84	-11.18	-9.50	-8.96	-9.53	-10.66	-9.44	-9.95	-10.42	-9.76	-2.98	-3.27	-3.35	-3.53	-3.70	-11.66	-3.94	-3.942
Debt/Assets	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.028
Debt/EBITDA	2.21	1.93	1.62	2.37	2.72	2.57	3.35	3.71	4.73	5.87	4.81	3.84	3.03	2.81	2.76	2.95	3.32	3.53	3.45	3.58	3.581
Net Debt/EBITDA	-44.20	-38.70	-30.82	-40.46	-42.75	-40.54	-53.88	-59.73	-68.88	-88.31	-70.90	-59.44	-48.37	-12.29	-12.91	-13.74	-17.09	-18.38	-54.15	-18.15	-18.152
Interest Coverage	8.54	9.83	11.65	7.85	7.18	7.47	5.53	4.84	3.88	3.07	3.80	4.53	5.95	6.42	6.75	6.47	5.66	5.39	5.51	5.46	5.463
Equity Multiplier	11.03	11.26	13.42	17.87	25.93	22.19	20.94	22.38	25.42	22.91	23.75	24.80	22.83	24.68	25.04	25.37	24.87	26.24	27.20	27.67	27.673
Cash Ratio	snapshot only																				0.453
Debt Service Coverage	snapshot only																				5.463
Cash to Debt	snapshot only																				6.068
FCF to Debt	snapshot only																				0.776
Defensive Interval	snapshot only																				4449.1 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	0.09	0.09	0.10	0.09	0.10	0.10	0.10	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.11	0.10	0.10	0.11	0.11	0.11	0.108
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	3.71	4.12	3.93	3.77	4.13	4.03	3.79	3.89	3.50	2.89	2.77	2.71	2.80	2.39	2.37	2.28	1.97	1.93	1.89	1.91	1.910
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	98	89	93	97	88	91	96	94	104	126	132	135	130	153	154	160	185	189	194	191	191.1 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	98	89	93	97	88	91	96	94	104	126	132	135	130	153	154	160	185	189	194	191	—
Fixed Asset Turnover	snapshot only																				48.043
Cash Velocity	snapshot only																				0.607
Capital Intensity	snapshot only																				9.656

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	9.0%	6.3%	10.6%	-3.8%	2.5%	-3.7%	-3.5%	4.0%	-12.4%	-3.7%	-2.9%	-3.3%	10.2%	4.8%	7.5%	5.7%	0.1%	8.6%	6.1%	9.0%	8.96%
Net Income	-5.7%	21.2%	4.7%	15.2%	-10.8%	-23.0%	-55.4%	-44.0%	-52.9%	-68.7%	-32.3%	-2.6%	62.6%	1.8%	90.4%	47.4%	2.1%	-23.7%	-19.6%	-15.4%	-15.42%
EPS	0.0%	29.9%	5.2%	24.4%	-4.1%	-17.6%	-52.5%	-40.7%	-50.1%	-66.9%	-27.4%	4.9%	74.5%	2.0%	1.0%	56.0%	7.4%	-19.9%	-15.8%	-12.9%	-12.93%
FCF	4.0%	11.5%	19.8%	23.4%	32.9%	-11.3%	-15.0%	-35.5%	-43.8%	25.4%	28.2%	50.1%	71.3%	6.0%	17.1%	4.9%	-3.6%	19.8%	-3.0%	5.2%	5.23%
EBITDA	3.6%	15.4%	3.3%	6.0%	-17.1%	-22.6%	-49.9%	-32.8%	-39.4%	-54.2%	-25.2%	-1.0%	56.8%	1.1%	73.9%	41.3%	-4.0%	-14.1%	-15.5%	-11.7%	-11.73%
Op. Income	3.8%	17.3%	5.2%	6.9%	-19.2%	-25.4%	-55.1%	-38.9%	-47.8%	-64.3%	-32.7%	-2.8%	75.8%	1.6%	1.0%	53.4%	-5.0%	-17.1%	-18.8%	-14.7%	-14.73%
OCF Growth	snapshot only																				5.23%
Asset Growth	snapshot only																				8.10%
Equity Growth	snapshot only																				-0.88%
Debt Growth	snapshot only																				7.23%
Shares Change	snapshot only																				-2.86%
Dividend Growth	snapshot only																				1.02%

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	24.0%	10.7%	1.2%	1.1%	2.4%	-0.1%	-1.0%	1.1%	-0.7%	-0.5%	1.2%	-1.1%	-0.4%	-0.9%	0.2%	2.1%	-1.1%	3.1%	3.5%	3.7%	3.66%
Revenue 5Y	—	—	—	—	—	—	—	27.2%	11.4%	4.7%	-0.6%	0.8%	0.7%	0.1%	0.2%	1.1%	1.5%	2.3%	3.4%	2.2%	2.19%
EPS 3Y	52.5%	25.5%	20.0%	0.7%	-8.0%	0.1%	-22.7%	-21.5%	-21.8%	-29.2%	28.4%	-8.2%	-5.8%	-6.5%	-11.4%	-1.0%	-2.2%	-7.4%	7.3%	12.5%	12.53%
EPS 5Y	—	—	—	—	—	—	—	34.9%	11.2%	-11.6%	-9.8%	-8.7%	-7.5%	-0.1%	-7.5%	-4.6%	-2.1%	-3.2%	29.2%	1.0%	1.00%
Net Income 3Y	45.1%	19.2%	14.2%	-4.4%	-12.7%	-5.1%	-26.8%	-25.8%	-26.6%	-33.7%	20.0%	-14.3%	-11.9%	-12.3%	-16.8%	-7.0%	-7.9%	-12.5%	1.2%	6.7%	6.68%
Net Income 5Y	—	—	—	—	—	—	—	27.4%	5.1%	-16.4%	-14.7%	-13.8%	-12.6%	-5.6%	-12.8%	-10.1%	-8.0%	-9.0%	21.5%	-4.8%	-4.77%
EBITDA 3Y	42.1%	18.1%	12.7%	-5.9%	-14.0%	-3.3%	-22.8%	-20.2%	-19.6%	-25.8%	17.1%	-11.0%	-7.7%	-9.7%	-13.3%	-2.1%	-3.0%	-6.5%	3.2%	7.3%	7.28%
EBITDA 5Y	—	—	—	—	—	—	—	27.9%	7.6%	-10.2%	-11.7%	-11.1%	-9.6%	-3.0%	-9.8%	-6.6%	-4.8%	-6.1%	18.7%	-2.5%	-2.55%
Gross Profit 3Y	31.6%	13.6%	6.1%	-5.2%	-9.2%	-4.4%	-14.4%	-11.8%	-9.8%	-11.7%	8.6%	-1.2%	2.4%	3.4%	0.8%	10.6%	7.2%	11.3%	20.4%	18.6%	18.57%
Gross Profit 5Y	—	—	—	—	—	—	—	27.3%	9.6%	-2.1%	-4.2%	-2.8%	-1.1%	3.5%	-0.6%	2.2%	2.1%	4.7%	16.9%	5.7%	5.69%
Op. Income 3Y	47.4%	20.4%	15.2%	-6.2%	-15.3%	-3.7%	-25.7%	-23.6%	-24.0%	-32.2%	23.3%	-14.1%	-9.5%	-11.6%	-15.3%	-3.1%	-4.4%	-8.4%	3.2%	8.3%	8.33%
Op. Income 5Y	—	—	—	—	—	—	—	28.3%	6.2%	-14.2%	-14.3%	-13.3%	-11.0%	-3.7%	-11.1%	-7.9%	-6.0%	-7.6%	25.0%	-3.7%	-3.66%
FCF 3Y	10.3%	15.9%	9.1%	29.9%	28.5%	-6.5%	-6.1%	-6.3%	-8.1%	7.4%	9.3%	6.1%	8.6%	5.6%	8.4%	0.5%	-2.4%	16.8%	13.3%	18.3%	18.32%
FCF 5Y	—	—	—	—	—	—	—	12.3%	0.1%	11.6%	7.2%	16.2%	15.3%	1.7%	4.5%	5.3%	5.1%	9.5%	8.2%	5.7%	5.69%
OCF 3Y	10.3%	15.9%	9.1%	29.9%	28.5%	-6.5%	-6.1%	-6.3%	-8.1%	7.4%	9.3%	6.1%	8.6%	5.6%	8.4%	0.5%	-2.4%	16.8%	13.3%	18.3%	18.32%
OCF 5Y	—	—	—	—	—	—	—	12.3%	0.1%	11.6%	7.2%	16.2%	15.3%	1.7%	4.5%	5.3%	5.1%	9.5%	8.2%	5.7%	5.69%
Assets 3Y	2.9%	3.4%	0.5%	-3.3%	-4.3%	-3.6%	-3.0%	-4.1%	-5.8%	-4.7%	-4.2%	-4.4%	-2.5%	-3.7%	-1.7%	2.0%	3.4%	4.0%	3.3%	3.9%	3.89%
Assets 5Y	—	—	—	—	—	—	—	-0.8%	-1.4%	0.0%	-1.0%	-1.6%	-1.0%	-1.8%	-1.4%	-1.8%	-1.6%	-1.3%	-0.7%	-0.4%	-0.36%
Equity 3Y	10.2%	8.6%	-2.7%	-16.5%	-28.4%	-23.3%	-22.9%	-26.3%	-29.5%	-26.2%	-24.3%	-26.7%	-23.5%	-25.9%	-20.1%	-9.3%	4.9%	-1.7%	-5.3%	-3.2%	-3.21%
Book Value 3Y	15.8%	14.3%	2.3%	-12.1%	-24.6%	-19.1%	-18.6%	-22.0%	-24.9%	-21.2%	-19.0%	-21.4%	-18.2%	-21.0%	-14.9%	-3.4%	11.4%	4.1%	0.4%	2.1%	2.10%
Dividend 3Y	4.8%	5.0%	3.7%	4.4%	4.2%	4.3%	4.7%	5.2%	6.0%	6.3%	6.5%	6.6%	6.3%	5.8%	5.9%	5.8%	5.6%	5.4%	5.1%	4.8%	4.82%

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	0.67	0.70	0.00	0.32	0.64	0.08	0.00	0.68	0.60	0.54	0.00	0.26	0.00	0.08	0.06	0.43	0.14	0.49	0.81	0.40	0.401
Earnings Stability	0.27	0.73	0.00	0.23	0.11	0.22	0.06	0.02	0.02	0.15	0.18	0.75	0.80	0.39	0.17	0.54	0.53	0.38	0.00	0.21	0.210
Margin Stability	0.86	0.97	0.76	0.89	0.85	0.93	0.72	0.82	0.87	0.85	0.79	0.86	0.82	0.81	0.80	0.82	0.85	0.80	0.73	0.83	0.826
Rev. Growth Consistency	0.50	0.50	0.50	0.00	1.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.50	0.50	0.50	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	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	0.98	0.92	0.50	0.94	0.96	0.91	0.50	0.82	0.50	0.50	0.87	0.99	0.50	0.50	0.50	0.81	0.99	0.91	0.92	0.94	0.938
Earnings Smoothness	0.94	0.81	0.00	0.86	0.89	0.74	0.23	0.44	0.28	0.00	0.61	0.97	0.52	0.05	0.38	0.62	0.98	0.73	0.78	0.83	0.833
ROE Trend	-0.01	0.02	0.07	0.06	0.12	0.08	0.03	-0.01	-0.05	-0.08	-0.04	-0.01	-0.02	0.05	0.07	0.05	0.03	0.01	0.01	0.00	0.001
Gross Margin Trend	-0.02	0.01	0.05	-0.02	-0.04	-0.03	-0.03	-0.04	-0.03	-0.06	-0.03	0.02	0.06	0.09	0.08	0.08	0.03	0.04	0.05	0.01	0.012
FCF Margin Trend	0.03	-0.01	0.00	0.05	0.05	-0.01	-0.02	-0.06	-0.05	0.04	0.04	0.03	0.04	0.03	0.05	0.04	0.03	0.02	-0.01	-0.01	-0.008
Sustainable Growth Rate	5.1%	6.6%	10.0%	6.6%	6.6%	6.7%	4.0%	3.6%	2.2%	-0.6%	2.0%	4.0%	7.2%	9.4%	9.9%	9.4%	7.1%	6.0%	7.1%	7.1%	7.06%
Internal Growth Rate	0.5%	0.6%	0.8%	0.5%	0.4%	0.5%	0.2%	0.2%	0.1%	—	0.1%	0.2%	0.3%	0.4%	0.4%	0.4%	0.3%	0.2%	0.3%	0.3%	0.27%

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	2.23	1.96	1.71	2.91	3.32	2.25	3.25	3.35	3.96	9.04	6.16	5.16	4.18	3.42	3.79	3.67	3.94	5.36	4.57	4.57	4.570
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																				4.570
OCF/EBITDA	snapshot only																				2.780
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%
Accruals Ratio	-0.01	-0.01	-0.01	-0.01	-0.02	-0.01	-0.01	-0.01	-0.01	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.02	-0.018
Sloan Accruals	snapshot only																				-0.137
Cash Flow Adequacy	snapshot only																				9.858
Earnings Quality Score	snapshot only																				1.000

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	10.1%	10.4%	10.6%	10.7%	11.2%	11.7%	10.7%	10.8%	11.3%	10.9%	11.1%	10.9%	10.7%	11.1%	11.1%	11.1%	10.4%	10.8%	11.4%	11.4%	2.31%
Dividend/Share	$2.16	$2.18	$2.20	$2.22	$2.24	$2.26	$2.28	$2.30	$2.34	$2.37	$2.41	$2.44	$2.47	$2.47	$2.51	$2.54	$2.55	$2.56	$2.56	$2.56	$2.32
Payout Ratio	33.7%	28.1%	23.3%	33.9%	36.6%	35.3%	50.9%	59.3%	76.4%	1.1%	74.1%	60.0%	46.1%	39.0%	38.3%	40.0%	44.4%	50.4%	46.4%	46.4%	46.36%
FCF Payout Ratio	15.1%	14.4%	13.7%	11.7%	11.0%	15.7%	15.7%	17.7%	19.3%	12.4%	12.0%	11.6%	11.1%	11.4%	10.1%	10.9%	11.3%	9.4%	10.2%	10.1%	10.14%
Total Payout Ratio	1.3%	1.0%	83.9%	1.1%	1.2%	1.0%	1.4%	1.5%	2.0%	3.1%	2.2%	1.9%	1.4%	1.1%	1.1%	1.1%	1.2%	1.4%	1.1%	1.1%	1.14%
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	0.09	0.09	0.07	0.08	0.08	0.08	0.08	0.09	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.10	0.095
Buyback Yield	28.3%	27.1%	27.6%	25.1%	24.4%	21.8%	19.1%	16.6%	18.2%	19.2%	22.1%	23.0%	22.6%	20.7%	22.2%	20.1%	17.2%	18.3%	15.1%	16.5%	16.50%
Net Buyback Yield	28.3%	27.1%	27.6%	25.1%	24.4%	21.8%	19.1%	16.6%	18.2%	19.2%	22.1%	23.0%	22.6%	20.7%	22.2%	20.1%	17.2%	18.3%	15.1%	16.5%	16.50%
Total Shareholder Return	38.4%	37.5%	38.2%	35.8%	35.5%	33.4%	29.8%	27.3%	29.5%	30.2%	33.2%	33.9%	33.3%	31.8%	33.3%	31.1%	27.6%	29.0%	26.6%	27.9%	27.86%

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)	0.79	0.81	0.80	0.85	0.87	0.83	0.80	0.78	0.78	0.73	0.80	0.78	0.73	0.79	0.76	0.75	0.78	0.72	0.75	0.74	0.745
Interest Burden (EBT/EBIT)	0.88	0.90	0.91	0.87	0.86	0.87	0.82	0.79	0.74	0.67	0.74	0.78	0.83	0.84	0.85	0.85	0.82	0.81	0.82	0.82	0.817
EBIT Margin	0.11	0.13	0.15	0.11	0.09	0.10	0.08	0.07	0.06	0.05	0.06	0.07	0.09	0.09	0.10	0.09	0.08	0.08	0.08	0.08	0.076
Asset Turnover	0.09	0.09	0.10	0.09	0.10	0.10	0.10	0.11	0.10	0.10	0.10	0.10	0.10	0.10	0.11	0.10	0.10	0.11	0.11	0.11	0.108
Equity Multiplier	10.83	10.95	12.47	13.52	15.00	14.61	16.23	19.90	25.67	22.55	22.26	23.53	24.00	23.76	24.38	25.09	23.81	25.48	26.11	26.52	26.518

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)	$6.39	$7.75	$9.43	$6.55	$6.13	$6.39	$4.47	$3.88	$3.06	$2.12	$3.25	$4.07	$5.35	$6.34	$6.56	$6.35	$5.74	$5.08	$5.52	$5.53	$5.53
Book Value/Share	$80.18	$79.84	$64.98	$45.55	$31.32	$37.81	$41.21	$39.32	$33.96	$40.26	$39.17	$38.13	$43.89	$39.33	$40.02	$41.01	$43.26	$42.71	$41.67	$41.85	$42.88
Tangible Book/Share	$68.99	$68.56	$53.53	$34.32	$20.07	$26.05	$29.21	$27.29	$21.90	$27.87	$26.77	$25.61	$30.88	$26.57	$26.87	$27.47	$-1.98	$-3.49	$27.08	$-5.59	$-5.59
Revenue/Share	$82.99	$85.35	$86.68	$83.33	$91.48	$87.92	$88.91	$91.75	$84.97	$89.75	$92.56	$95.55	$100.50	$100.49	$105.52	$106.93	$105.75	$114.49	$117.35	$119.94	$120.62
FCF/Share	$14.26	$15.18	$16.10	$19.04	$20.37	$14.39	$14.54	$13.00	$12.14	$19.13	$19.99	$21.01	$22.32	$21.66	$24.82	$23.33	$22.63	$27.23	$25.21	$25.27	$25.42
OCF/Share	$14.26	$15.18	$16.10	$19.04	$20.37	$14.39	$14.54	$13.00	$12.14	$19.13	$19.99	$21.01	$22.32	$21.66	$24.82	$23.33	$22.63	$27.23	$25.21	$25.27	$25.42
Cash/Share	$426.32	$434.80	$417.48	$377.86	$372.46	$382.07	$392.34	$397.86	$387.02	$405.19	$416.16	$423.01	$454.96	$144.10	$158.84	$166.94	$182.43	$188.49	$516.70	$197.54	$198.66
EBITDA/Share	$9.18	$10.70	$12.87	$8.82	$8.19	$8.86	$6.85	$6.27	$5.26	$4.30	$5.50	$6.68	$8.85	$9.54	$10.13	$10.00	$8.94	$8.61	$8.97	$9.09	$9.09
Debt/Share	$20.33	$20.62	$20.86	$20.91	$22.31	$22.75	$22.98	$23.26	$24.88	$25.26	$26.44	$25.69	$26.78	$26.82	$27.99	$29.49	$29.64	$30.35	$30.95	$32.55	$32.55
Net Debt/Share	$-405.98	$-414.18	$-396.61	$-356.95	$-350.16	$-359.31	$-369.36	$-374.60	$-362.14	$-379.93	$-389.72	$-397.32	$-428.18	$-117.29	$-130.85	$-137.45	$-152.79	$-158.14	$-485.75	$-164.99	$-164.99

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-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.317
Altman Z-Prime	snapshot only																				-0.596
Piotroski F-Score	7	7	7	6	5	6	4	5	5	4	5	5	8	7	7	7	5	7	7	6	6
Beneish M-Score	-2.76	-2.30	-2.80	-2.11	-2.23	-2.87	-2.16	-2.34	-2.46	-1.76	-2.27	-2.13	-2.19	-2.34	-2.42	-2.57	-1.85	-1.94	-2.07	-1.61	-1.612
Ohlson O-Score	snapshot only																				-6.350
Net-Net WC	snapshot only																				$-832.38

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																				A-
Credit Score	85.75	90.25	92.75	85.75	82.75	82.75	78.75	74.40	69.75	72.50	73.50	75.00	81.75	75.75	75.75	75.75	69.75	69.75	81.75	68.25	68.250
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-7.500
Implied Spread (bps)	snapshot only																				175.000

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Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

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Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

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CEO Pay Ratio

C-Suite Pay Equality (Gini)

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