$10.27

+1.91 (+22.85%)

Weekly Expected Move ±2.7%

$8 $8 $8 $9 $9

NASDAQ · Financial Services · Asset Management · Tech Score Sell · Power 30 · $688.6M mcap · 79M float · 0.705% daily turnover · Short 52% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

40.1 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 2.7% · 5Y Avg: 3.1%

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. MFIC shows a Weak competitive edge (40.1/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 2.7% 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

Low

$11

Avg Target

$12

High

Based on 4 analysts since Aug 6, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 10Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$10.56

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-22	Raymond James	—	$14	$10	-4	+16.1%	$8.18
2026-08-31	Compass Point	Jason Stewart	$16	$12	-4	+20.3%	$9.77
2026-08-10	Wells Fargo	Finian O'Shea	$11	$9	-2	-7.8%	$9.76
2026-08-07	Truist Financial	Arren Cyganovich	Initiated	$12	—	+23.5%	$9.71
2026-01-07	Wells Fargo	Finian O'Shea	Initiated	$11	—	-5.0%	$11.58
2025-10-07	Raymond James	—	Initiated	$14	—	+15.3%	$11.71
2024-07-25	Compass Point	Casey Alexander	Initiated	$16	—	+13.9%	$14.05

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

Rating Change History

Date	From	To
2026-10-12	C+	B-
2026-08-10	C	C+
2026-08-06	B-	C
2026-07-22	B	B-
2026-07-01	B-	B
2026-05-11	C+	B-
2026-05-08	B-	C+
2026-05-06	B+	B-
2026-04-21	A-	B+
2026-04-01	B+	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.

★ ★ ★ ★ ★ 32 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. MFIC scores highest in Cash Flow (66/100) and lowest in Safety (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman Z-Score

-0.18

Distress Zone

Piotroski F-Score

5/9

✗ ✓ ✗ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-3.85

Unlikely Manipulator

Ohlson O-Score

-6.33

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

B-

Score: 24.6/100

Trend: Improving

Earnings Quality

—

OCF/NI: -18.62x

Accruals: -18.4%

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. MFIC scores -0.18, 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. MFIC 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. MFIC's score of -3.85 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. MFIC'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. MFIC receives an estimated rating of B- (score: 24.6/100), 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

-28.62x

PEG

0.22x

P/S

3.26x

P/B

0.77x

P/FCF

1.51x

P/OCF

1.51x

EV/EBITDA

16.51x

EV/Revenue

9.72x

EV/EBIT

16.53x

EV/FCF

4.58x

Earnings Yield

-3.56%

FCF Yield

66.36%

Shareholder Yield

29.44%

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. MFIC 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

1.000

NI / EBT

Interest Burden

-0.194

EBT / EBIT

EBIT Margin

0.588

EBIT / Rev

Asset Turnover

0.082

Rev / Assets

Equity Multiplier

2.552

Assets / Equity

ROE

-2.4%

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. MFIC's ROE of -2.4% is driven by a balanced combination of operating margin, asset efficiency, and leverage. 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$8.36

Median 1Y

$8.06

5th Pctile

$4.62

95th Pctile

$14.03

Ann. Volatility

33.8%

Analyst Target

$10.56

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

Workforce & Productivity

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

Employees

—

Revenue / Employee

—

Rev: $274,388,000

Profit / Employee

—

NI: $63,169,000

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	13.0%	11.8%	8.1%	5.5%	4.5%	2.6%	5.2%	7.2%	8.5%	11.9%	11.4%	11.2%	9.0%	8.2%	8.6%	8.3%	7.2%	4.7%	0.5%	-2.4%	-2.39%
ROA	5.0%	4.6%	3.2%	2.1%	1.8%	1.0%	2.0%	2.8%	3.4%	4.7%	4.6%	4.4%	3.8%	3.5%	3.6%	3.3%	3.1%	1.9%	0.2%	-0.9%	-0.94%
ROIC	5.1%	4.7%	3.3%	2.2%	1.9%	1.1%	2.2%	3.0%	3.6%	5.1%	4.8%	4.5%	3.5%	3.2%	3.2%	3.0%	4.1%	4.1%	3.4%	2.7%	2.65%
ROCE	5.0%	4.6%	3.2%	2.1%	1.8%	1.0%	2.1%	2.9%	3.5%	4.8%	4.7%	4.4%	3.4%	3.1%	3.1%	2.9%	4.2%	5.9%	5.5%	5.6%	5.59%
Gross Margin	67.3%	63.2%	35.4%	35.1%	48.6%	—	57.3%	52.5%	56.2%	58.0%	52.3%	48.3%	48.4%	46.2%	51.1%	38.6%	80.1%	1.9%	88.9%	90.8%	90.80%
Operating Margin	59.6%	53.5%	19.2%	22.4%	40.6%	—	52.0%	46.4%	50.0%	51.4%	46.5%	43.2%	43.3%	41.8%	48.7%	34.2%	94.1%	33.7%	3.6%	14.6%	14.60%
Net Margin	59.6%	53.5%	19.2%	22.4%	40.6%	—	52.0%	46.4%	50.0%	51.4%	46.5%	43.2%	43.3%	41.8%	48.7%	34.2%	43.2%	-19.6%	-42.4%	-25.7%	-25.70%
EBITDA Margin	59.6%	53.5%	19.2%	22.4%	40.6%	—	52.0%	46.4%	50.0%	51.4%	46.5%	43.2%	43.3%	41.8%	48.7%	34.2%	94.1%	1.3%	2.5%	14.3%	14.29%
FCF Margin	55.8%	6.4%	-1.8%	-15.1%	1.5%	1.9%	1.3%	1.2%	80.8%	82.7%	68.3%	38.0%	6.0%	-4.2%	-64.3%	-75.8%	-0.6%	-11.9%	1.1%	2.1%	2.12%
OCF Margin	55.8%	6.4%	-1.8%	-15.1%	1.5%	1.9%	1.3%	1.2%	80.8%	82.7%	68.3%	38.0%	6.0%	-4.2%	-64.3%	-75.8%	-0.6%	-11.9%	1.1%	2.1%	2.12%
ROE 3Y Avg	snapshot only																				5.20%
ROE 5Y Avg	snapshot only																				5.70%
ROA 3Y Avg	snapshot only																				2.06%
ROIC 3Y Avg	snapshot only																				2.85%
ROIC Economic	snapshot only																				2.62%
Cash ROA	snapshot only																				19.30%
Cash ROIC	snapshot only																				19.74%
CROIC	snapshot only																				19.74%
NOPAT Margin	snapshot only																				28.53%
Pretax Margin	snapshot only																				-11.40%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				-1.87%
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	3.80	4.18	6.17	8.04	9.61	19.68	10.36	8.52	8.01	5.90	6.93	7.34	6.97	10.38	10.61	11.21	10.85	16.70	168.69	-28.06	-28.625
P/S Ratio	2.53	2.67	3.35	3.50	3.57	5.88	4.38	4.01	3.97	2.95	3.38	3.52	3.23	4.53	4.71	4.74	4.59	4.33	4.11	3.20	3.264
P/B Ratio	0.49	0.49	0.51	0.46	0.44	0.52	0.54	0.61	0.69	0.70	0.79	0.81	0.53	0.73	0.79	0.81	0.79	0.81	0.86	0.76	0.772
P/FCF	4.53	41.46	-189.75	-23.23	2.30	3.16	3.47	3.30	4.91	3.57	4.95	9.27	53.34	-107.59	-7.32	-6.26	-830.16	-36.49	3.70	1.51	1.507
P/OCF	4.53	41.46	—	—	2.30	3.16	3.47	3.30	4.91	3.57	4.95	9.27	53.34	—	—	—	—	—	3.70	1.51	1.507
EV/EBITDA	15.60	17.06	24.62	36.00	40.68	73.61	37.41	28.54	24.29	17.19	18.81	20.32	22.60	27.34	28.46	31.16	22.20	15.51	17.55	16.51	16.510
EV/Revenue	10.36	10.91	13.37	15.66	15.10	21.99	15.81	13.43	12.03	8.60	9.16	9.76	10.46	11.94	12.62	13.18	12.42	12.10	11.57	9.72	9.724
EV/EBIT	15.60	17.06	24.62	36.00	40.68	73.61	37.41	28.54	24.29	17.19	18.81	20.32	22.60	27.34	28.46	31.16	22.20	15.51	17.55	16.53	16.528
EV/FCF	18.57	169.37	-757.55	-103.99	9.76	11.82	12.52	11.06	14.88	10.39	13.42	25.69	172.90	-283.40	-19.64	-17.40	-2248.67	-102.08	10.43	4.58	4.579
Earnings Yield	26.3%	23.9%	16.2%	12.4%	10.4%	5.1%	9.6%	11.7%	12.5%	16.9%	14.4%	13.6%	14.3%	9.6%	9.4%	8.9%	9.2%	6.0%	0.6%	-3.6%	-3.56%
FCF Yield	22.1%	2.4%	-0.5%	-4.3%	43.4%	31.6%	28.8%	30.3%	20.4%	28.0%	20.2%	10.8%	1.9%	-0.9%	-13.7%	-16.0%	-0.1%	-2.7%	27.0%	66.4%	66.36%
PEG Ratio	snapshot only																				0.220
Price/Tangible Book	snapshot only																				0.756
EV/OCF	snapshot only																				4.579
EV/Gross Profit	snapshot only																				8.577
Acquirers Multiple	snapshot only																				26.922
Shareholder Yield	snapshot only																				29.44%

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	2.05	1.64	2.28	2.15	3.06	—	12.59	6.66	13.41	10.19	5.05	5.05	17.76	9.00	12.44	5.15	0.84	1.04	0.59	0.52	0.516
Quick Ratio	2.05	1.64	2.28	2.15	3.06	—	12.59	6.66	13.41	10.19	5.05	5.05	17.76	9.00	12.44	5.15	0.84	1.04	0.59	0.52	0.516
Debt/Equity	1.54	1.55	1.54	1.62	1.49	1.50	1.48	1.49	1.44	1.45	1.40	1.51	1.25	1.25	1.39	1.49	1.40	1.53	1.59	1.58	1.580
Net Debt/Equity	1.51	1.52	1.51	1.58	1.43	1.41	1.41	1.44	1.40	1.33	1.35	1.44	1.19	1.19	1.33	1.44	1.35	1.45	1.55	1.54	1.540
Debt/Assets	0.59	0.60	0.60	0.61	0.59	0.59	0.59	0.59	0.58	0.58	0.57	0.59	0.55	0.55	0.58	0.59	0.58	0.60	0.61	0.61	0.608
Debt/EBITDA	12.00	13.17	18.83	28.59	32.40	57.29	28.40	20.73	16.78	12.31	12.31	13.58	16.41	17.73	18.67	20.68	14.48	10.49	11.58	11.36	11.360
Net Debt/EBITDA	11.79	12.88	18.45	27.95	31.07	53.93	27.05	20.02	16.27	11.28	11.88	12.98	15.63	16.96	17.85	19.95	14.00	9.96	11.32	11.08	11.077
Interest Coverage	2.52	2.24	1.50	0.95	0.71	0.35	0.62	0.76	1.16	1.52	1.44	1.38	0.96	0.85	0.86	0.79	1.41	1.48	1.28	1.26	1.263
Equity Multiplier	2.59	2.60	2.59	2.67	2.54	2.56	2.51	2.52	2.46	2.49	2.43	2.54	2.27	2.27	2.41	2.52	2.42	2.54	2.61	2.60	2.597
Cash Ratio	snapshot only																				0.346
Debt Service Coverage	snapshot only																				1.264
Cash to Debt	snapshot only																				0.025
FCF to Debt	snapshot only																				0.317
Defensive Interval	snapshot only																				181.8 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	0.08	0.07	0.06	0.05	0.05	0.03	0.05	0.06	0.07	0.09	0.09	0.09	0.08	0.08	0.08	0.08	0.07	0.07	0.08	0.08	0.082
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	7.87	9.08	6.47	4.61	4.48	4.04	4.94	5.67	7.26	9.37	10.70	10.88	4.49	4.40	5.79	7.89	4.37	4.53	6.02	8.43	8.429
Payables Turnover	1.93	1.72	2.12	1.70	2.26	3.14	3.66	3.28	4.58	14.38	9.62	7.52	15.73	7.36	9.20	6.48	9.85	0.99	-0.75	-2.06	—
DSO	46	40	56	79	82	90	74	64	50	39	34	34	81	83	63	46	84	81	61	43	43.3 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—	—	—
DPO	190	212	172	215	162	116	100	111	80	25	38	49	23	50	40	56	37	370	—	—	—
Cash Conversion Cycle	-143	-172	-116	-136	-80	-26	-26	-47	-29	14	-4	-15	58	33	23	-10	46	-290	—	—	—
Cash Velocity	snapshot only																				6.007
Capital Intensity	snapshot only																				11.001

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	7.8%	128.1%	-16.7%	-38.5%	-37.6%	-54.0%	-19.2%	18.4%	38.0%	1.7%	91.1%	52.4%	35.2%	-4.7%	-0.2%	1.2%	1.3%	7.8%	4.8%	10.9%	10.87%
Net Income	2.2%	2.5%	-26.4%	-60.4%	-65.1%	-78.5%	-37.1%	28.0%	84.1%	3.6%	1.2%	55.6%	26.3%	-16.8%	-9.2%	-10.8%	-7.5%	-36.1%	-94.2%	-1.3%	-1.30%
EPS	2.2%	2.6%	-20.6%	-59.3%	-65.0%	-78.7%	-41.8%	24.5%	82.7%	3.5%	1.2%	55.8%	26.3%	-36.7%	-36.7%	-37.9%	-35.3%	-40.5%	-94.0%	-1.3%	-1.34%
FCF	-18.6%	-97.2%	-1.0%	-1.0%	73.1%	12.3%	58.8%	10.5%	-27.9%	21.8%	3.4%	-52.3%	-89.9%	-1.0%	-1.9%	-3.0%	-1.1%	-2.0%	2.8%	4.1%	4.11%
EBITDA	2.2%	2.5%	-26.4%	-60.4%	-65.1%	-78.5%	-37.1%	28.0%	84.1%	3.6%	1.2%	55.6%	26.3%	-16.8%	-9.2%	-10.8%	22.5%	92.5%	55.8%	54.3%	54.35%
Op. Income	2.2%	2.5%	-26.4%	-60.4%	-65.1%	-78.5%	-37.1%	28.0%	84.1%	3.6%	1.2%	55.6%	26.3%	-16.8%	-9.2%	-10.8%	22.5%	31.7%	-1.5%	-5.3%	-5.35%
OCF Growth	snapshot only																				4.11%
Asset Growth	snapshot only																				-17.37%
Equity Growth	snapshot only																				-19.96%
Debt Growth	snapshot only																				-15.21%
Shares Change	snapshot only																				-11.88%
Dividend Growth	snapshot only																				-6.03%

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	36.9%	40.0%	21.8%	9.7%	15.5%	-5.4%	—	—	—	—	8.7%	3.5%	5.2%	6.3%	15.5%	22.2%	23.6%	41.2%	26.0%	19.6%	19.59%
Revenue 5Y	-0.0%	8.8%	4.4%	8.2%	10.5%	2.6%	6.6%	14.7%	17.2%	28.1%	22.8%	18.9%	23.5%	17.2%	—	—	—	—	6.1%	4.5%	4.49%
EPS 3Y	29.2%	29.7%	9.4%	-9.9%	-7.7%	-24.8%	—	—	—	—	0.7%	-7.6%	-6.8%	-15.3%	-6.7%	6.4%	14.3%	19.4%	-56.2%	—	—
EPS 5Y	—	—	40.2%	-6.3%	-8.1%	-17.0%	-9.0%	2.0%	6.7%	16.0%	11.0%	7.2%	12.6%	4.0%	—	—	—	—	-47.8%	—	—
Net Income 3Y	25.3%	25.7%	4.6%	-12.2%	-9.0%	-25.7%	—	—	—	—	0.7%	-7.6%	-6.7%	-6.4%	8.0%	21.1%	29.1%	34.6%	-51.3%	—	—
Net Income 5Y	—	—	35.0%	-8.9%	-10.3%	-19.0%	-9.9%	0.0%	4.8%	14.4%	9.7%	6.2%	11.9%	9.4%	—	—	—	—	-44.4%	—	—
EBITDA 3Y	3.2%	1.3%	-14.2%	-27.2%	-28.6%	-39.1%	—	—	—	—	0.7%	-7.6%	-6.7%	-6.4%	8.0%	21.1%	41.8%	94.4%	46.1%	28.9%	28.88%
EBITDA 5Y	49.7%	19.3%	1.1%	-17.5%	-19.4%	-27.5%	-18.0%	-10.4%	-6.7%	0.5%	-2.6%	-5.1%	-3.3%	-3.0%	—	—	—	—	7.6%	1.7%	1.66%
Gross Profit 3Y	23.6%	25.2%	4.8%	-10.6%	-9.5%	-24.8%	—	—	—	—	0.5%	-7.1%	-6.3%	-6.5%	5.5%	16.0%	29.3%	85.6%	60.6%	53.8%	53.79%
Gross Profit 5Y	1.7%	10.2%	-1.4%	-4.3%	-4.5%	-14.0%	-7.3%	1.1%	4.1%	14.2%	8.9%	5.1%	8.4%	5.6%	—	—	—	—	14.9%	13.6%	13.56%
Op. Income 3Y	3.2%	1.3%	-14.2%	-27.2%	-28.6%	-39.1%	—	—	—	—	0.7%	-7.6%	-6.7%	-6.4%	8.0%	21.1%	41.8%	71.3%	25.4%	9.5%	9.50%
Op. Income 5Y	49.7%	19.3%	1.1%	-17.5%	-19.4%	-27.5%	-18.0%	-10.4%	-6.7%	0.5%	-2.6%	-5.1%	-3.3%	-3.0%	—	—	—	—	-1.8%	-7.8%	-7.81%
FCF 3Y	6.9%	-50.4%	—	—	—	—	—	—	0.5%	-23.1%	-30.2%	-39.4%	-49.8%	—	—	—	—	—	20.7%	44.1%	44.10%
FCF 5Y	-29.1%	-53.9%	—	—	-8.2%	-11.6%	-10.1%	—	8.8%	14.6%	—	—	—	—	—	—	—	—	-10.4%	6.9%	6.94%
OCF 3Y	6.9%	-50.4%	—	—	—	—	—	—	0.5%	-23.1%	-30.2%	-39.4%	-49.8%	—	—	—	—	—	20.7%	44.1%	44.10%
OCF 5Y	-29.1%	-53.9%	—	—	-8.2%	-11.6%	-10.1%	—	8.8%	14.6%	—	—	—	—	—	—	—	—	-10.4%	6.9%	6.94%
Assets 3Y	4.1%	3.8%	1.3%	-0.8%	-3.9%	-6.2%	-4.6%	-3.8%	-2.6%	-1.0%	-1.3%	-0.4%	6.1%	6.2%	8.9%	9.5%	8.9%	9.6%	7.2%	4.5%	4.55%
Assets 5Y	0.3%	0.2%	1.5%	1.1%	0.9%	0.9%	1.5%	-0.6%	0.6%	1.0%	-0.4%	-1.1%	2.1%	0.8%	3.2%	4.3%	4.5%	5.2%	3.8%	2.0%	2.04%
Equity 3Y	-8.8%	-8.0%	-8.5%	-8.6%	-6.9%	-6.7%	-1.0%	-0.2%	-0.4%	-0.4%	-1.0%	-1.3%	10.9%	11.1%	11.5%	11.7%	10.6%	9.8%	5.8%	3.6%	3.56%
Book Value 3Y	-6.0%	-5.0%	-4.3%	-6.2%	-5.6%	-5.6%	-0.6%	-0.3%	-0.4%	-0.4%	-1.0%	-1.3%	10.7%	0.6%	-3.6%	-1.8%	-2.1%	-2.6%	-4.7%	-4.2%	-4.19%
Dividend 3Y	-4.6%	-2.7%	0.3%	0.1%	0.7%	-0.3%	7.9%	8.2%	9.1%	11.2%	-5.0%	-5.6%	2.4%	-5.7%	-0.7%	0.8%	-11.0%	-13.3%	-15.8%	-13.1%	-13.12%

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	0.07	0.00	0.03	0.07	0.13	0.05	0.16	0.21	0.29	0.41	0.50	0.42	0.59	0.45	0.87	0.93	0.94	0.86	0.43	0.38	0.380
Earnings Stability	0.04	0.03	0.02	0.01	0.01	0.03	0.00	0.01	0.03	0.08	0.18	0.14	0.21	0.23	0.42	0.35	0.38	0.27	0.26	0.38	0.380
Margin Stability	0.80	0.82	0.80	0.73	0.69	0.67	0.70	0.69	0.67	0.63	0.71	0.70	0.67	0.72	0.87	0.93	0.94	0.61	0.65	0.60	0.600
Rev. Growth Consistency	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	0	0	1	1	0	0	1	1	1	1	1	0	0	0	0	0	0	0	0
Earnings Persistence	0.20	0.20	0.50	0.50	0.50	0.50	0.85	0.89	0.50	0.50	0.50	0.50	0.89	0.93	0.96	0.96	0.97	0.86	0.50	0.20	0.200
Earnings Smoothness	—	—	0.70	0.14	0.03	0.00	0.54	0.75	0.41	0.00	0.25	0.57	0.77	0.82	0.90	0.89	0.92	0.56	0.00	—	—
ROE Trend	0.16	0.13	0.08	0.06	0.04	0.01	-0.04	-0.02	-0.00	0.05	0.05	0.05	0.01	-0.00	-0.01	-0.02	-0.01	-0.05	-0.09	-0.12	-0.118
Gross Margin Trend	—	—	—	—	—	—	-0.17	-0.11	-0.05	-0.00	-0.02	0.00	0.00	0.00	-0.04	-0.07	0.01	0.41	0.52	0.63	0.632
FCF Margin Trend	—	—	—	—	—	—	-0.02	0.34	-0.24	-0.13	0.06	-0.15	-1.12	-1.39	-1.62	-1.55	-0.44	-0.51	1.09	2.31	2.313
Sustainable Growth Rate	3.8%	2.6%	-1.1%	-3.6%	-4.5%	-6.3%	-6.4%	-4.7%	-3.4%	-0.5%	1.5%	1.2%	-1.7%	-3.4%	-3.9%	-4.3%	-2.2%	-5.0%	-9.1%	—	—
Internal Growth Rate	1.5%	1.0%	—	—	—	—	—	—	—	—	0.6%	0.5%	—	—	—	—	—	—	—	—	—

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	0.84	0.10	-0.03	-0.35	4.17	6.23	2.99	2.58	1.63	1.65	1.40	0.79	0.13	-0.10	-1.45	-1.79	-0.01	-0.46	45.54	-18.62	-18.622
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																				-18.622
OCF/EBITDA	snapshot only																				3.606
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	0.04	0.03	0.03	-0.06	-0.05	-0.04	-0.04	-0.02	-0.03	-0.02	0.01	0.03	0.04	0.09	0.09	0.03	0.03	-0.08	-0.18	-0.184
Sloan Accruals	snapshot only																				-0.047
Cash Flow Adequacy	snapshot only																				4.448

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	18.5%	18.6%	18.4%	20.6%	20.7%	17.6%	21.6%	19.3%	17.5%	17.6%	12.5%	12.2%	17.1%	13.6%	13.7%	13.5%	12.1%	12.4%	12.2%	14.9%	12.71%
Dividend/Share	$1.44	$1.47	$1.54	$1.46	$1.42	$1.39	$1.77	$1.80	$1.83	$1.89	$1.52	$1.52	$1.97	$1.63	$1.61	$1.60	$1.40	$1.41	$1.37	$1.50	$1.31
Payout Ratio	70.5%	77.8%	1.1%	1.7%	2.0%	3.5%	2.2%	1.6%	1.4%	1.0%	86.9%	89.1%	1.2%	1.4%	1.5%	1.5%	1.3%	2.1%	20.6%	—	—
FCF Payout Ratio	84.0%	7.7%	—	—	47.6%	55.7%	74.9%	63.8%	85.7%	62.9%	62.0%	1.1%	9.1%	—	—	—	—	—	45.2%	22.5%	22.48%
Total Payout Ratio	76.5%	94.7%	1.4%	2.0%	2.3%	3.6%	2.3%	1.7%	1.4%	1.1%	88.9%	89.1%	1.2%	1.4%	1.5%	1.6%	1.4%	2.4%	35.5%	—	—
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	1	1	0	0	1	0	0	0	0
Chowder Number	-0.02	0.02	0.07	0.14	0.19	0.13	0.46	0.46	0.47	0.55	-0.02	-0.04	0.25	0.27	0.65	0.65	0.14	0.06	-0.06	-0.02	-0.023
Buyback Yield	1.6%	4.0%	4.2%	4.6%	3.3%	0.5%	0.3%	0.4%	0.3%	0.3%	0.3%	0.0%	0.0%	0.0%	0.6%	0.5%	0.6%	1.8%	8.8%	14.5%	14.52%
Net Buyback Yield	1.6%	4.0%	4.2%	4.6%	-3.4%	-5.4%	-5.3%	-12.2%	-6.5%	-6.4%	-5.6%	0.0%	0.0%	0.0%	0.6%	0.5%	0.6%	1.8%	8.8%	14.5%	14.52%
Total Shareholder Return	20.1%	22.7%	22.5%	25.3%	17.3%	12.2%	16.3%	7.1%	11.0%	11.3%	6.9%	12.2%	17.1%	13.6%	14.2%	14.0%	12.6%	14.2%	21.0%	29.4%	29.44%

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)	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
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	0.76	0.33	0.04	-0.19	-0.194
EBIT Margin	0.66	0.64	0.54	0.44	0.37	0.30	0.42	0.47	0.50	0.50	0.49	0.48	0.46	0.44	0.44	0.42	0.56	0.78	0.66	0.59	0.588
Asset Turnover	0.08	0.07	0.06	0.05	0.05	0.03	0.05	0.06	0.07	0.09	0.09	0.09	0.08	0.08	0.08	0.08	0.07	0.07	0.08	0.08	0.082
Equity Multiplier	2.61	2.57	2.52	2.57	2.56	2.58	2.55	2.60	2.50	2.52	2.47	2.53	2.35	2.36	2.42	2.53	2.34	2.40	2.50	2.55	2.552

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)	$2.05	$1.89	$1.36	$0.88	$0.72	$0.40	$0.79	$1.09	$1.31	$1.82	$1.75	$1.71	$1.66	$1.15	$1.11	$1.06	$1.07	$0.69	$0.07	$-0.36	$-0.36
Book Value/Share	$15.98	$16.08	$16.60	$15.51	$15.62	$15.36	$15.18	$15.17	$15.28	$15.40	$15.42	$15.38	$21.70	$16.37	$14.87	$14.69	$14.66	$14.18	$13.13	$13.34	$13.34
Tangible Book/Share	$15.98	$16.08	$16.60	$15.51	$15.62	$15.36	$15.18	$15.17	$15.28	$15.40	$15.42	$15.38	$21.70	$16.37	$14.87	$14.69	$14.66	$14.18	$13.13	$13.34	$13.34
Revenue/Share	$3.08	$2.96	$2.51	$2.02	$1.93	$1.35	$1.87	$2.33	$2.65	$3.64	$3.59	$3.55	$3.58	$2.64	$2.49	$2.50	$2.53	$2.64	$2.73	$3.15	$3.15
FCF/Share	$1.72	$0.19	$-0.04	$-0.30	$2.99	$2.51	$2.36	$2.82	$2.14	$3.01	$2.45	$1.35	$0.22	$-0.11	$-1.60	$-1.90	$-0.01	$-0.31	$3.03	$6.69	$6.69
OCF/Share	$1.72	$0.19	$-0.04	$-0.30	$2.99	$2.51	$2.36	$2.82	$2.14	$3.01	$2.45	$1.35	$0.22	$-0.11	$-1.60	$-1.90	$-0.01	$-0.31	$3.03	$6.69	$6.69
Cash/Share	$0.42	$0.54	$0.51	$0.56	$0.95	$1.35	$1.07	$0.77	$0.66	$1.87	$0.76	$1.03	$1.30	$0.88	$0.91	$0.77	$0.67	$1.08	$0.48	$0.52	$0.52
EBITDA/Share	$2.05	$1.89	$1.36	$0.88	$0.72	$0.40	$0.79	$1.09	$1.31	$1.82	$1.75	$1.71	$1.66	$1.15	$1.11	$1.06	$1.42	$2.06	$1.80	$1.86	$1.86
Debt/Share	$24.57	$24.92	$25.61	$25.14	$23.24	$23.05	$22.47	$22.68	$21.98	$22.40	$21.53	$23.16	$27.17	$20.41	$20.66	$21.90	$20.53	$21.64	$20.88	$21.07	$21.07
Net Debt/Share	$24.15	$24.38	$25.11	$24.58	$22.28	$21.70	$21.40	$21.91	$21.32	$20.53	$20.77	$22.14	$25.87	$19.53	$19.75	$21.13	$19.86	$20.56	$20.41	$20.55	$20.55

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-0.181
Altman Z-Prime	snapshot only																				-0.928
Piotroski F-Score	7	5	2	3	6	4	6	8	8	6	7	5	7	2	2	2	2	3	6	5	5
Beneish M-Score	-1.86	-2.46	0.38	-0.76	-2.73	—	-2.00	-2.40	-2.56	—	-2.43	-2.34	0.28	0.05	-0.70	-1.16	-2.96	-2.77	-3.50	-3.85	-3.849
Ohlson O-Score	snapshot only																				-6.326
Net-Net WC	snapshot only																				$-20.53
EVA	snapshot only																				$-205571150.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				B-
Credit Score	27.45	24.54	20.75	17.61	23.90	16.68	24.47	24.21	25.15	28.93	27.03	24.87	26.42	23.97	24.59	20.13	13.69	19.38	14.12	24.64	24.639
Credit Grade	snapshot only																				16
Credit Trend	snapshot only																				4.510
Implied Spread (bps)	snapshot only																				900.000
Industry Credit Rank	snapshot only																				12
Sector Credit Rank	snapshot only																				8

MFIC 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

Workforce & Productivity

Scaling Efficiency

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