Also trades as: NBVENTURES.NS (NSE) · $vol 3M · NAVA.BO (BSE) · $vol 0M

₹555.00 ($5.76)

+2.50 (+0.45%)

NSE · Industrials · Conglomerates · Tech Score Sell · Power 35 · ₹155.7B mcap · 132M float · 0.223% daily turnover

Overview Chart Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ETF Exposure

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.

Oct 05, 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. NAVA.NS receives an overall rating of C. Strongest factors: DCF (5/5). Areas of concern: ROE (1/5), ROA (1/5), D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-08-17	A-	C
2026-05-18	C+	A-
2026-04-27	C	C+
2026-04-21	C+	C
2026-02-06	A-	C+
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.

★ ★ ★ ★ ★ 62 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. NAVA.NS scores highest in Safety (100/100) and lowest in Growth (26/100). An overall grade of A places NAVA.NS among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman Z-Score

5.43

Safe Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✗ ✓ ✓ ✗ ✗

Beneish M-Score

-3.61

Unlikely Manipulator

Ohlson O-Score

-13.57

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 97.1/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 3.74x

Accruals: -21.9%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. NAVA.NS scores 5.43, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. 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. NAVA.NS 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. NAVA.NS's score of -3.61 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. NAVA.NS's implied 0.0% 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. NAVA.NS receives an estimated rating of AAA (score: 97.1/100), 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). NAVA.NS's score of 75/100 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

21.09x

PEG

-0.80x

P/S

3.70x

P/B

1.82x

P/FCF

8.70x

P/OCF

5.27x

EV/EBITDA

9.19x

EV/Revenue

4.29x

EV/EBIT

11.40x

EV/FCF

8.23x

Earnings Yield

5.08%

FCF Yield

11.49%

Shareholder Yield

2.36%

Graham Number

$459.61

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 21.1x earnings, NAVA.NS commands a growth premium. An earnings yield of 5.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $459.61 per share, 20% below 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

0.616

NI / EBT

Interest Burden

0.993

EBT / EBIT

EBIT Margin

0.377

EBIT / Rev

Asset Turnover

0.347

Rev / Assets

Equity Multiplier

1.486

Assets / Equity

ROE

11.9%

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. NAVA.NS's ROE of 11.9% is driven by a balanced combination of operating margin, asset efficiency, and leverage.

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

2.74%

Fair P/E

13.99x

Intrinsic Value

$457.33

Price/Value

1.41x

Margin of Safety

-40.77%

Premium

40.77%

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 NAVA.NS's realized 2.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. NAVA.NS trades at a 41% premium to its adjusted intrinsic value of $457.33, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 14.0x compares to the current market P/E of 21.1x.

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

$552.50

Median 1Y

$694.92

5th Pctile

$280.70

95th Pctile

$1719.70

Ann. Volatility

49.7%

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

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	11.5%	9.8%	9.3%	7.5%	8.7%	11.1%	16.5%	17.6%	19.1%	16.9%	16.2%	15.1%	16.5%	14.6%	16.1%	16.6%	15.4%	15.0%	14.4%	11.9%	11.91%
ROA	5.1%	4.4%	4.2%	3.4%	3.9%	5.1%	7.5%	8.0%	8.7%	8.5%	8.1%	8.2%	8.9%	9.0%	10.0%	11.1%	10.3%	10.4%	10.0%	8.0%	8.01%
ROIC	13.3%	8.9%	7.6%	6.4%	7.0%	8.6%	12.6%	14.3%	16.5%	17.5%	17.6%	22.2%	19.1%	19.7%	20.3%	19.0%	20.8%	19.1%	18.4%	16.0%	15.95%
ROCE	13.0%	12.9%	11.9%	11.5%	12.8%	14.5%	18.2%	17.6%	18.7%	17.9%	18.1%	17.3%	17.9%	18.2%	18.7%	17.8%	16.7%	15.4%	15.4%	12.6%	12.64%
Gross Margin	70.5%	58.8%	54.4%	60.7%	66.2%	64.7%	62.3%	59.6%	60.6%	55.4%	56.7%	50.2%	58.1%	36.9%	59.0%	60.6%	63.6%	47.1%	56.7%	52.6%	52.65%
Operating Margin	30.0%	29.4%	19.8%	32.2%	35.1%	33.2%	40.8%	52.4%	46.6%	32.6%	44.0%	49.3%	20.7%	33.6%	41.2%	36.1%	43.0%	29.2%	41.7%	22.9%	22.93%
Net Margin	17.9%	19.8%	8.1%	3.8%	17.7%	27.7%	29.1%	18.5%	27.8%	28.6%	25.0%	16.1%	35.3%	22.3%	29.1%	27.9%	29.7%	23.4%	25.8%	13.4%	13.44%
EBITDA Margin	48.9%	54.0%	41.5%	34.8%	45.5%	58.1%	53.8%	55.2%	61.4%	54.1%	54.9%	43.3%	63.6%	43.4%	51.2%	50.7%	57.6%	41.5%	52.6%	35.4%	35.41%
FCF Margin	15.3%	18.8%	22.4%	23.6%	24.1%	20.5%	16.8%	16.3%	15.9%	17.1%	17.5%	16.8%	16.7%	32.1%	45.5%	60.8%	77.3%	65.1%	54.8%	52.2%	52.20%
OCF Margin	20.3%	23.0%	25.7%	25.7%	25.2%	21.7%	18.1%	17.4%	16.8%	17.5%	17.5%	16.8%	16.7%	33.2%	47.6%	63.9%	81.6%	73.6%	67.7%	86.2%	86.16%
ROE 3Y Avg	snapshot only																				13.65%
ROE 5Y Avg	snapshot only																				12.85%
ROA 3Y Avg	snapshot only																				9.05%
ROIC 3Y Avg	snapshot only																				14.96%
ROIC Economic	snapshot only																				11.80%
Cash ROA	snapshot only																				27.57%
Cash ROIC	snapshot only																				48.45%
CROIC	snapshot only																				29.35%
NOPAT Margin	snapshot only																				28.37%
Pretax Margin	snapshot only																				37.41%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				0.72%
SBC / Revenue	snapshot only																				0.18%

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	1.96	2.38	3.52	4.98	3.90	3.66	3.09	2.96	3.57	3.25	4.76	7.08	6.27	7.25	10.12	14.31	13.21	13.50	16.10	19.69	21.092
P/S Ratio	0.36	0.40	0.56	0.60	0.49	0.57	0.63	0.70	0.94	0.86	1.20	1.72	1.64	1.79	2.63	4.11	3.61	3.72	4.27	4.54	3.701
P/B Ratio	0.22	0.23	0.32	0.37	0.33	0.38	0.48	0.47	0.62	0.50	0.70	1.00	0.97	0.99	1.52	2.21	1.90	1.94	2.21	2.24	1.825
P/FCF	2.36	2.11	2.51	2.55	2.04	2.78	3.75	4.30	5.88	5.04	6.86	10.23	9.82	5.59	5.77	6.76	4.67	5.71	7.79	8.70	8.701
P/OCF	1.78	1.73	2.19	2.34	1.95	2.63	3.49	4.04	5.58	4.91	6.86	10.23	9.82	5.40	5.52	6.43	4.43	5.05	6.31	5.27	5.271
EV/EBITDA	2.32	2.85	3.36	3.52	3.11	3.06	2.79	2.76	3.00	2.67	3.26	3.51	3.32	3.30	5.03	7.42	6.66	7.08	8.12	9.19	9.187
EV/Revenue	1.17	1.48	1.66	1.56	1.36	1.40	1.36	1.46	1.71	1.50	1.84	1.87	1.79	1.70	2.54	3.87	3.37	3.54	4.09	4.29	4.294
EV/EBIT	2.98	3.70	4.43	4.67	4.01	3.79	3.33	3.25	3.52	3.18	3.88	4.19	3.95	3.94	6.01	8.86	8.07	8.61	9.90	11.40	11.399
EV/FCF	7.66	7.85	7.41	6.62	5.65	6.84	8.10	8.98	10.76	8.78	10.49	11.12	10.70	5.29	5.58	6.37	4.36	5.44	7.47	8.23	8.226
Earnings Yield	50.9%	42.0%	28.4%	20.1%	25.6%	27.4%	32.4%	33.8%	28.0%	30.8%	21.0%	14.1%	15.9%	13.8%	9.9%	7.0%	7.6%	7.4%	6.2%	5.1%	5.08%
FCF Yield	42.4%	47.4%	39.8%	39.2%	49.0%	35.9%	26.7%	23.2%	17.0%	19.8%	14.6%	9.8%	10.2%	17.9%	17.3%	14.8%	21.4%	17.5%	12.8%	11.5%	11.49%
Price/Tangible Book	snapshot only																				2.387
EV/OCF	snapshot only																				4.984
EV/Gross Profit	snapshot only																				7.838
Acquirers Multiple	snapshot only																				12.513
Shareholder Yield	snapshot only																				2.36%
Graham Number	snapshot only																				$459.61

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	1.26	1.13	1.13	1.10	1.10	1.12	1.12	0.94	0.94	2.16	2.16	7.24	7.24	5.04	5.04	5.22	5.22	5.98	5.98	7.76	7.757
Quick Ratio	1.01	0.97	0.97	0.94	0.94	0.96	0.96	0.75	0.75	1.80	1.80	6.08	6.08	4.15	4.15	4.38	4.38	4.76	4.76	6.58	6.575
Debt/Equity	0.59	0.77	0.77	0.76	0.76	0.72	0.72	0.70	0.70	0.51	0.51	0.22	0.22	0.06	0.06	0.09	0.09	0.12	0.12	0.20	0.197
Net Debt/Equity	0.49	0.62	0.62	0.59	0.59	0.56	0.56	0.51	0.51	0.37	0.37	0.09	0.09	-0.05	-0.05	-0.13	-0.13	-0.09	-0.09	-0.12	-0.122
Debt/Assets	0.27	0.35	0.35	0.34	0.34	0.33	0.33	0.32	0.32	0.28	0.28	0.14	0.14	0.04	0.04	0.06	0.06	0.08	0.08	0.13	0.128
Debt/EBITDA	1.96	2.57	2.74	2.79	2.56	2.36	1.95	1.97	1.86	1.56	1.55	0.72	0.71	0.21	0.21	0.33	0.35	0.45	0.45	0.85	0.854
Net Debt/EBITDA	1.61	2.08	2.22	2.16	1.98	1.81	1.50	1.44	1.36	1.14	1.13	0.28	0.27	-0.18	-0.18	-0.45	-0.48	-0.35	-0.35	-0.53	-0.530
Interest Coverage	3.71	3.76	3.81	3.66	4.00	4.80	5.89	5.92	5.77	7.59	8.02	8.45	12.83	5.99	8.32	15.20	21.96	62.98	87.50	101.38	101.377
Equity Multiplier	2.18	2.20	2.20	2.24	2.24	2.17	2.17	2.17	2.17	1.85	1.85	1.58	1.58	1.40	1.40	1.43	1.43	1.48	1.48	1.54	1.542
Cash Ratio	snapshot only																				4.445
Debt Service Coverage	snapshot only																				125.784
Cash to Debt	snapshot only																				1.620
FCF to Debt	snapshot only																				1.308
Defensive Interval	snapshot only																				1574.1 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	0.28	0.27	0.26	0.28	0.31	0.32	0.37	0.34	0.33	0.32	0.32	0.34	0.34	0.37	0.38	0.39	0.38	0.38	0.38	0.35	0.347
Inventory Turnover	1.97	2.08	2.39	3.00	3.36	3.74	4.14	3.41	3.48	2.68	2.80	3.02	3.10	2.92	2.99	2.87	2.74	2.38	2.40	2.67	2.669
Receivables Turnover	1.90	1.63	1.61	2.87	3.18	3.33	3.80	5.23	5.13	2.06	2.07	2.97	3.01	1.86	1.95	2.26	2.21	2.50	2.48	3.29	3.293
Payables Turnover	7.87	8.95	10.32	11.11	12.43	15.66	17.32	14.25	14.53	11.33	11.85	16.91	17.35	11.28	11.58	14.90	14.22	10.01	10.10	13.52	13.520
DSO	192	223	227	127	115	110	96	70	71	177	177	123	121	196	187	161	165	146	147	111	110.9 days
DIO	185	176	152	122	109	97	88	107	105	136	130	121	118	125	122	127	133	153	152	137	136.8 days
DPO	46	41	35	33	29	23	21	26	25	32	31	22	21	32	32	25	26	36	36	27	27.0 days
Cash Conversion Cycle	331	358	344	216	194	184	163	151	151	282	276	222	218	289	278	264	273	263	263	221	220.6 days
Fixed Asset Turnover	snapshot only																				0.616
Operating Cycle	snapshot only																				247.6 days
Cash Velocity	snapshot only																				1.546
Capital Intensity	snapshot only																				3.125

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	-6.9%	-7.9%	-2.3%	9.8%	16.1%	30.5%	51.4%	36.0%	20.6%	5.8%	-6.8%	0.2%	3.5%	8.8%	13.4%	7.3%	3.6%	3.8%	-1.6%	0.6%	0.57%
Net Income	71.1%	7.0%	8.5%	-18.1%	-20.4%	22.3%	92.8%	1.7%	1.5%	79.2%	15.5%	2.7%	3.2%	1.7%	16.7%	26.6%	8.0%	15.7%	0.5%	-19.2%	-19.18%
EPS	70.0%	9.1%	22.1%	-7.9%	-10.5%	35.3%	92.9%	1.7%	1.5%	79.4%	15.5%	2.8%	3.3%	1.7%	16.7%	26.9%	8.0%	15.7%	3.1%	-16.8%	-16.85%
FCF	-42.8%	-22.7%	2.9%	36.6%	82.9%	42.1%	13.3%	-6.1%	-20.2%	-12.0%	-2.8%	3.4%	8.7%	1.0%	1.9%	2.9%	3.8%	1.1%	18.4%	-13.6%	-13.64%
EBITDA	11.8%	10.7%	4.4%	0.0%	0.9%	15.4%	48.9%	62.7%	57.3%	29.2%	7.9%	0.6%	-2.1%	-0.2%	1.4%	4.9%	-3.0%	1.0%	-1.6%	-9.9%	-9.89%
Op. Income	3.6%	-13.5%	-20.9%	-7.4%	1.9%	34.6%	99.3%	89.5%	69.7%	44.6%	14.4%	9.3%	-10.2%	-5.4%	-5.0%	-16.9%	8.3%	4.7%	1.0%	3.0%	2.97%
OCF Growth	snapshot only																				35.59%
Asset Growth	snapshot only																				18.67%
Equity Growth	snapshot only																				9.65%
Debt Growth	snapshot only																				1.33%
Shares Change	snapshot only																				-2.81%
Dividend Growth	snapshot only																				2.92%

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	12.3%	2.8%	-2.8%	-2.9%	-2.1%	2.4%	6.3%	6.5%	9.2%	8.3%	11.3%	14.4%	13.1%	14.6%	17.0%	13.5%	8.9%	6.2%	1.3%	2.6%	2.62%
Revenue 5Y	17.4%	9.9%	10.0%	13.3%	16.5%	19.4%	21.8%	18.1%	14.6%	8.4%	5.3%	4.5%	3.2%	4.3%	4.9%	5.4%	6.9%	7.5%	9.0%	10.1%	10.05%
EPS 3Y	68.4%	24.9%	14.0%	-0.2%	-2.0%	18.2%	33.7%	42.7%	56.4%	38.3%	39.6%	36.0%	32.5%	35.1%	37.5%	51.4%	41.0%	28.3%	11.6%	2.7%	2.74%
EPS 5Y	23.1%	10.7%	12.5%	14.4%	24.5%	46.3%	61.1%	57.9%	60.8%	36.4%	27.0%	22.1%	19.6%	24.7%	26.4%	30.5%	33.7%	25.5%	26.8%	21.6%	21.57%
Net Income 3Y	67.5%	21.2%	9.1%	-4.6%	-6.2%	13.1%	28.0%	37.3%	50.7%	32.9%	34.2%	30.9%	27.3%	30.6%	37.4%	51.3%	41.0%	28.2%	10.6%	1.7%	1.69%
Net Income 5Y	20.9%	8.3%	8.3%	9.6%	19.5%	40.8%	56.7%	53.8%	56.5%	31.3%	23.6%	18.9%	16.4%	21.4%	23.1%	27.5%	30.7%	22.5%	23.2%	18.1%	18.06%
EBITDA 3Y	35.0%	15.2%	4.0%	-2.6%	-4.7%	2.6%	8.8%	13.5%	21.1%	18.2%	18.8%	17.9%	15.8%	14.2%	17.7%	19.7%	14.3%	9.2%	2.5%	-1.7%	-1.66%
EBITDA 5Y	38.6%	28.9%	24.8%	28.0%	32.7%	37.2%	46.5%	36.4%	31.3%	17.9%	12.5%	8.7%	5.9%	6.9%	7.1%	9.1%	11.0%	10.7%	10.9%	9.1%	9.12%
Gross Profit 3Y	35.0%	20.1%	6.6%	2.8%	1.2%	4.9%	9.0%	11.7%	17.3%	12.3%	11.4%	8.9%	3.9%	3.7%	9.5%	8.8%	5.4%	3.2%	-2.5%	-2.3%	-2.26%
Gross Profit 5Y	32.0%	22.6%	19.8%	22.7%	26.6%	30.4%	35.9%	30.8%	24.5%	15.8%	9.5%	6.1%	3.2%	1.6%	2.1%	5.0%	9.0%	9.0%	8.6%	6.5%	6.52%
Op. Income 3Y	52.6%	10.1%	-3.2%	-5.3%	-6.5%	-1.1%	6.6%	12.9%	21.5%	18.9%	21.7%	24.2%	15.8%	22.5%	29.4%	19.9%	18.2%	12.7%	3.2%	-2.2%	-2.21%
Op. Income 5Y	35.4%	21.6%	18.5%	28.2%	43.3%	72.8%	85.0%	55.0%	43.8%	21.0%	15.6%	11.9%	4.5%	5.7%	5.7%	5.5%	11.8%	10.7%	11.6%	10.4%	10.41%
FCF 3Y	—	—	—	—	81.6%	37.1%	16.0%	3.1%	-5.8%	-1.1%	4.3%	9.9%	16.7%	36.8%	48.1%	55.5%	60.7%	56.0%	50.3%	51.2%	51.24%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	39.1%	35.9%	34.9%	34.5%	34.1%	33.1%	31.7%	34.7%	34.72%
OCF 3Y	1.4%	94.5%	75.0%	63.4%	55.7%	26.5%	10.2%	-1.1%	-9.4%	-6.3%	-2.8%	1.3%	6.1%	29.4%	43.7%	53.7%	61.2%	59.4%	57.4%	75.0%	74.99%
OCF 5Y	-4.7%	-1.7%	10.9%	40.4%	—	—	—	—	73.4%	50.6%	38.8%	31.2%	25.6%	28.9%	30.1%	30.8%	31.1%	31.4%	31.7%	41.9%	41.86%
Assets 3Y	5.1%	5.6%	5.6%	4.3%	4.3%	8.2%	8.2%	9.1%	9.1%	6.0%	6.0%	2.4%	2.4%	0.0%	0.0%	1.8%	1.8%	1.6%	1.6%	1.5%	1.47%
Assets 5Y	9.7%	4.9%	4.9%	4.0%	4.0%	4.9%	4.9%	8.1%	8.1%	6.3%	6.3%	2.7%	2.7%	2.7%	2.7%	2.7%	2.7%	3.8%	3.8%	5.9%	5.90%
Equity 3Y	10.6%	9.6%	9.6%	6.1%	6.1%	10.3%	10.3%	11.6%	11.6%	12.9%	12.9%	14.1%	14.1%	16.1%	16.1%	18.4%	18.4%	15.4%	15.4%	13.7%	13.69%
Book Value 3Y	11.2%	13.0%	14.6%	10.9%	10.9%	15.3%	15.3%	16.0%	15.8%	17.6%	17.5%	18.6%	18.7%	20.1%	16.2%	18.5%	18.5%	15.5%	16.4%	14.9%	14.88%
Dividend 3Y	26.1%	9.2%	-8.8%	-31.2%	—	-38.9%	-11.9%	10.4%	—	4.1%	—	—	—	38.4%	—	—	—	63.0%	33.6%	57.8%	57.85%

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	0.63	0.55	0.35	0.39	0.48	0.62	0.63	0.70	0.90	0.80	0.47	0.42	0.35	0.49	0.43	0.63	0.92	0.99	0.77	0.83	0.834
Earnings Stability	0.54	0.57	0.52	0.46	0.49	0.93	0.80	0.63	0.62	0.78	0.81	0.66	0.64	0.84	0.90	0.85	0.85	0.91	0.91	0.71	0.705
Margin Stability	0.75	0.78	0.83	0.83	0.79	0.81	0.80	0.81	0.80	0.83	0.89	0.91	0.89	0.89	0.92	0.93	0.91	0.92	0.93	0.91	0.914
Rev. Growth Consistency	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	0.00	1.00	1.000
Earn. Growth Consistency	0.50	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	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	0.50	0.97	0.97	0.93	0.92	0.91	0.50	0.50	0.50	0.50	0.94	0.99	0.99	0.99	0.93	0.89	0.97	0.94	1.00	0.92	0.923
Earnings Smoothness	0.48	0.93	0.92	0.80	0.77	0.80	0.37	0.09	0.14	0.43	0.86	0.97	0.97	0.98	0.85	0.76	0.92	0.85	0.99	0.79	0.788
ROE Trend	0.01	0.00	-0.00	-0.02	-0.01	0.01	0.07	0.08	0.07	0.05	0.02	0.02	0.02	0.01	-0.00	0.00	-0.02	-0.00	-0.01	-0.03	-0.034
Gross Margin Trend	0.19	0.13	0.05	0.02	0.00	0.01	0.03	0.01	-0.04	-0.06	-0.05	-0.07	-0.06	-0.10	-0.09	-0.06	-0.03	0.02	0.02	-0.00	-0.001
FCF Margin Trend	0.01	0.03	0.05	0.05	0.04	-0.00	-0.05	-0.05	-0.04	-0.03	-0.02	-0.03	-0.03	0.13	0.28	0.44	0.61	0.41	0.23	0.13	0.134
Sustainable Growth Rate	10.1%	8.8%	8.6%	7.2%	8.7%	10.9%	16.1%	17.2%	18.8%	16.7%	16.2%	15.1%	16.5%	14.3%	15.4%	15.6%	14.2%	13.7%	13.0%	8.7%	8.72%
Internal Growth Rate	4.7%	4.1%	4.0%	3.4%	4.1%	5.2%	8.0%	8.5%	9.3%	9.2%	8.8%	8.9%	9.8%	9.7%	10.5%	11.7%	10.5%	10.5%	9.9%	6.2%	6.23%

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	1.10	1.38	1.61	2.12	2.00	1.39	0.89	0.73	0.64	0.66	0.69	0.69	0.64	1.34	1.83	2.23	2.98	2.67	2.55	3.74	3.736
FCF/OCF	0.75	0.82	0.87	0.92	0.96	0.94	0.93	0.94	0.95	0.97	1.00	1.00	1.00	0.97	0.96	0.95	0.95	0.88	0.81	0.61	0.606
FCF/Net Income	snapshot only																				2.263
OCF/EBITDA	snapshot only																				1.843
CapEx/Revenue	5.0%	4.2%	3.3%	2.1%	1.1%	1.2%	1.3%	1.1%	0.9%	0.4%	0.0%	0.0%	0.0%	1.1%	2.1%	3.1%	4.3%	8.5%	12.9%	34.0%	33.96%
CapEx/Depreciation	snapshot only																				3.745
Accruals Ratio	-0.01	-0.02	-0.03	-0.04	-0.04	-0.02	0.01	0.02	0.03	0.03	0.02	0.03	0.03	-0.03	-0.08	-0.14	-0.20	-0.17	-0.15	-0.22	-0.219
Sloan Accruals	snapshot only																				0.017
Cash Flow Adequacy	snapshot only																				2.146
Earnings Quality Score	snapshot only																				0.750

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	6.4%	4.5%	2.1%	0.9%	0.0%	0.5%	0.8%	0.7%	0.5%	0.3%	0.0%	0.0%	0.0%	0.3%	0.4%	0.4%	0.6%	0.6%	0.6%	1.4%	1.51%
Dividend/Share	$1.84	$1.41	$1.04	$0.52	$0.00	$0.31	$0.62	$0.62	$0.62	$0.31	$0.00	$0.00	$0.00	$0.74	$1.49	$2.23	$2.98	$3.22	$3.55	$8.76	$8.50
Payout Ratio	12.6%	10.7%	7.5%	4.6%	0.0%	1.7%	2.3%	2.1%	1.9%	1.0%	0.0%	0.0%	0.0%	2.3%	4.2%	5.7%	8.1%	8.6%	9.6%	26.8%	26.80%
FCF Payout Ratio	15.2%	9.4%	5.4%	2.3%	0.0%	1.3%	2.8%	3.0%	3.1%	1.5%	0.0%	0.0%	0.0%	1.8%	2.4%	2.7%	2.9%	3.6%	4.7%	11.8%	11.84%
Total Payout Ratio	17.4%	21.8%	25.4%	33.7%	31.7%	20.4%	11.8%	6.9%	3.2%	1.6%	0.0%	0.0%	0.0%	2.3%	4.2%	5.7%	8.1%	16.9%	27.0%	46.5%	46.49%
Div. Increase Streak	1	1	0	0	—	0	0	0	0	0	—	—	—	0	0	0	0	1	1	1	0
Chowder Number	1.04	0.24	-0.31	-0.71	—	-0.80	-0.39	0.21	—	0.00	—	—	—	1.40	—	—	—	3.33	1.33	2.83	2.826
Buyback Yield	2.4%	4.7%	5.1%	5.8%	8.1%	5.1%	3.1%	1.6%	0.4%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.6%	1.1%	1.0%	1.00%
Net Buyback Yield	2.4%	4.7%	5.1%	5.8%	8.1%	5.1%	3.1%	1.6%	0.4%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.6%	1.1%	1.0%	1.00%
Total Shareholder Return	8.8%	9.1%	7.2%	6.8%	8.1%	5.6%	3.8%	2.3%	0.9%	0.5%	0.0%	0.0%	0.0%	0.3%	0.4%	0.4%	0.6%	1.3%	1.7%	2.4%	2.36%

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)	0.70	0.63	0.65	0.56	0.55	0.58	0.64	0.67	0.69	0.73	0.69	0.70	0.70	0.68	0.69	0.70	0.68	0.68	0.65	0.62	0.616
Interest Burden (EBT/EBIT)	0.67	0.66	0.66	0.64	0.68	0.72	0.78	0.78	0.78	0.76	0.77	0.78	0.82	0.84	0.88	0.94	0.96	0.99	0.99	0.99	0.993
EBIT Margin	0.39	0.40	0.38	0.33	0.34	0.37	0.41	0.45	0.49	0.47	0.47	0.45	0.45	0.43	0.42	0.44	0.42	0.41	0.41	0.38	0.377
Asset Turnover	0.28	0.27	0.26	0.28	0.31	0.32	0.37	0.34	0.33	0.32	0.32	0.34	0.34	0.37	0.38	0.39	0.38	0.38	0.38	0.35	0.347
Equity Multiplier	2.25	2.22	2.22	2.21	2.21	2.18	2.18	2.20	2.20	2.00	2.00	1.85	1.85	1.61	1.61	1.50	1.50	1.44	1.44	1.49	1.486

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)	$14.58	$13.18	$13.77	$11.34	$13.06	$17.82	$26.56	$30.14	$32.83	$31.97	$30.67	$30.99	$33.91	$32.52	$35.78	$39.31	$36.64	$37.63	$36.90	$32.69	$32.69
Book Value/Share	$131.62	$137.34	$151.92	$153.11	$153.10	$170.52	$170.69	$189.44	$189.78	$207.63	$207.61	$219.64	$220.06	$238.07	$238.06	$254.56	$254.62	$262.41	$269.08	$287.19	$379.84
Tangible Book/Share	$118.98	$124.56	$137.78	$138.87	$138.87	$155.96	$156.11	$173.86	$174.17	$191.87	$191.86	$203.73	$204.12	$222.08	$222.07	$238.52	$238.57	$245.99	$252.25	$269.69	$269.69
Revenue/Share	$79.40	$79.06	$86.03	$93.63	$103.60	$114.11	$130.32	$127.14	$124.96	$120.89	$121.48	$127.46	$129.42	$131.57	$137.77	$137.00	$134.02	$136.70	$139.15	$141.75	$152.07
FCF/Share	$12.13	$14.89	$19.30	$22.12	$24.94	$23.41	$21.89	$20.74	$19.91	$20.63	$21.28	$21.46	$21.67	$42.19	$62.75	$83.27	$103.65	$89.03	$76.24	$73.99	$24.10
OCF/Share	$16.11	$18.19	$22.11	$24.08	$26.07	$24.80	$23.53	$22.09	$20.99	$21.17	$21.28	$21.46	$21.67	$43.62	$65.60	$87.55	$109.36	$100.65	$94.23	$122.13	$55.54
Cash/Share	$13.93	$20.06	$22.19	$25.91	$25.91	$28.42	$28.45	$35.77	$35.84	$28.71	$28.71	$30.13	$30.18	$26.62	$26.62	$56.00	$56.01	$54.89	$56.28	$91.66	$122.19
EBITDA/Share	$39.95	$41.08	$42.61	$41.57	$45.34	$52.41	$63.48	$67.53	$71.36	$67.80	$68.51	$68.02	$69.90	$67.66	$69.50	$71.46	$67.84	$68.34	$70.14	$66.25	$66.25
Debt/Share	$78.15	$105.61	$116.82	$115.87	$115.86	$123.49	$123.60	$132.73	$132.97	$105.94	$105.93	$49.29	$49.39	$14.25	$14.25	$23.55	$23.56	$30.79	$31.58	$56.56	$56.56
Net Debt/Share	$64.22	$85.55	$94.64	$89.96	$89.96	$95.06	$95.15	$96.96	$97.13	$77.23	$77.23	$19.17	$19.20	$-12.37	$-12.37	$-32.44	$-32.45	$-24.09	$-24.71	$-35.10	$-35.10

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.430
Altman Z-Prime	snapshot only																				10.459
Piotroski F-Score	6	6	6	5	5	8	7	5	6	7	5	7	7	8	9	8	8	7	5	5	5
Beneish M-Score	-1.89	-1.78	-1.75	-2.42	-2.41	-2.34	-1.99	-2.69	-2.59	-1.12	-0.71	0.47	0.68	-2.61	-3.05	-3.23	-3.51	-3.33	-3.06	-3.61	-3.610
Ohlson O-Score	snapshot only																				-13.574
ROIC (Greenblatt)	snapshot only																				14.45%
Net-Net WC	snapshot only																				$70.84
EVA	snapshot only																				$4234317017.57

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																				AAA
Credit Score	47.29	42.42	41.83	41.19	41.95	40.75	46.70	43.50	44.39	63.02	64.34	80.50	83.53	88.53	91.61	95.49	96.74	96.86	96.80	97.10	97.100
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				1.614
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				97
Sector Credit Rank	snapshot only																				92

NAVA.NS NSE

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

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