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NRDS NASDAQ

NerdWallet, Inc.
1W: +0.7% 1M: +24.4% 3M: +10.3% YTD: -18.0% 1Y: -10.3% 3Y: +46.6%
$10.60
-0.20 (-1.85%)
 
Weekly Expected Move ±6.4%
$10 $10 $11 $12 $12
NASDAQ · Communication Services · Internet Content & Information · Tech Score Buy · Power 72 · $677.6M mcap · 60M float · 1.17% daily turnover · Short 57% of daily vol
Credit Risk of going bust: lower than 85% of companies Debt: 0.7% of company value Bonds: none of note held by US funds details ▾
Of US companies ranked in the safest four tenths, about 1 in 3,500 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.01 (down 99.9%), NerdWallet, Inc. would be worth roughly what it owes.
Total debt $5.1M against a stock market value of $677.6M.
Distance to default 11.48 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $2.5M (short-term plus half of long-term), stock volatility 48.2%; Altman Z'' 5.17. A ranking and a back-test, not a forecast.
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.
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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.

NARROW EDGE
62.7 / 100
NoneWeakNarrowWide
Primary source: Intangible Assets  ·  ROIC: 23.8%  ·  5Y Avg: 4.3%
Cost Advantage
63
Intangibles
84
Switching Cost
48
Network Effect
69
Scale
45
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. NRDS has a Narrow competitive edge (62.7/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 23.8% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

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
$0
Low
$13
Avg Target
$13
High
Based on 3 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 4Hold: 1Sell: 1Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$13.33
Analysts3
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-05-11 Truist Financial — $16 $15 -1 +71.3% $8.75
2026-05-11 Oppenheimer — $18 $12 -6 +35.1% $8.88
2026-05-08 KeyBanc Justin Patterson $14 $13 -1 +33.1% $9.77
2025-05-05 KeyBanc Justin Patterson $22 $14 -8 +65.1% $8.48
2024-08-05 Truist Financial Youssef Squali Initiated $16 — +53.6% $10.42
2024-08-01 Oppenheimer Jed Kelly Initiated $18 — +23.0% $14.63
2024-04-23 KeyBanc Justin Patterson Initiated $22 — +59.8% $13.77

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.

A
Oct 27, 2026
DCF
4
ROE
4
ROA
5
D/E
4
P/E
3
P/B
3
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. NRDS receives an overall rating of A. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5), D/E (4/5).
Rating Change History
DateFromTo
2026-10-12 A- A
2026-10-01 A A-
2026-08-11 A- A
2026-08-07 B+ A-
2026-07-29 A- B+
2026-07-01 B+ A-
2026-06-29 A- B+
2026-06-04 B+ A-
2026-05-28 A- B+
2026-05-14 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.

★ ★ ★ ★ ★ 78 Grade A+
Profitability
53
Balance Sheet
90
Earnings Quality
47
Growth
66
Value
77
Momentum
92
Safety
100
Cash Flow
86
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. NRDS scores highest in Safety (100/100) and lowest in Earnings Quality (47/100). An overall grade of A+ places NRDS 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
6.25
Safe Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓ ✓
Beneish M-Score
-3.49
Unlikely Manipulator
Ohlson O-Score
-12.18
Bankruptcy prob: 0.0%
Low Risk
Credit Rating
AAA
Score: 95.8/100
Trend: Improving
Earnings Quality
75/100
OCF/NI: 2.53x
Accruals: -22.2%
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. NRDS scores 6.25, 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. NRDS scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. NRDS's score of -3.49 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. NRDS'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. NRDS receives an estimated rating of AAA (score: 95.8/100), 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). NRDS'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
11.65x
PEG
0.26x
P/S
0.79x
P/B
2.12x
P/FCF
4.13x
P/OCF
3.70x
EV/EBITDA
4.19x
EV/Revenue
0.64x
EV/EBIT
6.02x
EV/FCF
3.75x
Earnings Yield
10.68%
FCF Yield
24.18%
Shareholder Yield
26.07%
Graham Number
$10.49
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 11.6x earnings, NRDS trades at a reasonable valuation. An earnings yield of 10.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $10.49 per share, 1% 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
0.717
NI / EBT
×
Interest Burden
0.990
EBT / EBIT
×
EBIT Margin
0.107
EBIT / Rev
×
Asset Turnover
1.924
Rev / Assets
×
Equity Multiplier
1.249
Assets / Equity
=
ROE
18.2%
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. NRDS's ROE of 18.2% is driven by Asset Turnover (1.924), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate
15.00%
Fair P/E
38.50x
Intrinsic Value
$38.03
Price/Value
0.24x
Margin of Safety
75.68%
Premium
-75.68%
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 NRDS's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. NRDS actually compounded EPS at 401.9% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. At an intrinsic value of $38.03, NRDS appears undervalued with a 76% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 11.6x.

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 1249 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$10.60
Median 1Y
$7.05
5th Pctile
$2.37
95th Pctile
$20.92
Ann. Volatility
65.0%
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

ExecutiveSalaryStockTotal
John Lee Financial
ancial Officer
 $395,833 $2,594,441 $6,268,892
Sam Yount Business
hief Business Officer (through April 3, 2026)
 $423,000 $1,259,636 $4,980,682
Tim Chen
Chief Executive Officer and Chairman of the Board
 $700,000 $— $1,541,124

CEO Pay Ratio

2:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $1,541,124
Avg Employee Cost (SGA/emp): $986,154
Employees: 650

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
650
0.0% YoY
Revenue / Employee
$1,287,077
Rev: $836,600,000
Profit / Employee
$74,923
NI: $48,700,000
SGA / Employee
$986,154
Avg labor cost proxy
R&D / Employee
$102,615
Innovation spend

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability
Metric Trend 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 -3.1% -7.2% -10.5% -8.5% -3.4% 0.6% 0.2% -0.2% -3.3% -3.3% -3.0% -3.1% 8.3% 7.9% 12.2% 20.2% 13.2% 19.5% 18.2% 18.16%
ROA -2.2% -4.9% -8.0% -5.6% -2.6% 0.5% 0.2% -0.1% -2.8% -2.8% -2.6% -2.6% 7.1% 6.4% 10.2% 16.4% 10.8% 15.2% 14.5% 14.54%
ROIC -7.2% -15.6% -15.8% -11.5% -5.6% -3.2% -1.6% -0.2% -2.5% -3.3% -1.7% -2.3% 18.8% 45.0% 20.7% 28.9% 16.9% 24.1% 23.8% 23.80%
ROCE -2.6% -5.7% -9.4% -8.5% -5.0% -2.2% -0.7% 2.8% 1.9% 3.1% 1.9% 3.1% 1.5% 0.5% 5.4% 11.9% 17.6% 27.3% 26.9% 26.85%
Gross Margin 92.8% 94.0% 93.5% 91.8% 91.4% 91.9% 90.9% 91.3% 89.7% 91.2% 90.1% 90.7% 90.9% 91.3% 91.1% 92.9% 94.0% 93.9% 93.2% 93.21%
Operating Margin -9.4% -7.0% -7.2% -6.2% 5.6% -0.5% -2.9% 2.6% 3.4% 2.3% -6.4% 3.5% 4.7% 0.3% 5.7% 16.0% 8.6% 12.8% 3.5% 3.55%
Net Margin -7.9% -8.1% -7.4% 0.5% 6.3% 1.0% -7.5% -0.3% -1.7% 0.7% -6.2% 0.1% 21.0% 0.1% 4.4% 12.2% 6.2% 9.2% 2.2% 2.18%
EBITDA Margin -0.7% -1.5% -1.0% 1.8% 14.2% 7.0% 6.6% 10.2% 13.2% 10.4% 2.7% 10.9% 6.7% 6.7% 13.1% 22.0% 13.1% 17.2% 8.5% 8.46%
FCF Margin 2.0% -2.1% -8.0% -3.6% -1.3% 1.5% 2.4% 5.8% 7.1% 8.6% 12.2% 10.3% 7.3% 7.5% 9.3% 11.6% 14.5% 15.4% 17.1% 17.12%
OCF Margin 8.7% 4.5% -1.6% 2.7% 4.6% 6.9% 7.7% 10.3% 12.0% 13.2% 16.5% 14.4% 10.4% 10.3% 10.8% 12.9% 15.7% 16.5% 19.1% 19.10%
ROE 3Y Avg snapshot only 9.70%
ROE 5Y Avg snapshot only 3.75%
ROA 3Y Avg snapshot only 7.65%
ROIC 3Y Avg snapshot only 10.54%
ROIC Economic snapshot only 20.40%
Cash ROA snapshot only 39.31%
Cash ROIC snapshot only 61.10%
CROIC snapshot only 54.74%
NOPAT Margin snapshot only 7.44%
Pretax Margin snapshot only 10.55%
R&D / Revenue snapshot only 7.71%
SGA / Revenue snapshot only 75.56%
SBC / Revenue snapshot only 3.21%
Valuation
Metric Trend 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 -119.62 -43.59 -19.30 -24.64 -72.38 644.77 1204.48 -1148.29 -95.43 -95.43 -102.46 -95.99 33.08 23.35 17.84 11.29 20.62 10.47 9.36 11.648
P/S Ratio 9.50 3.51 1.51 1.34 1.37 2.23 1.21 1.13 1.88 2.00 1.90 1.58 1.46 0.94 1.09 1.04 1.20 0.85 0.71 0.788
P/B Ratio 3.67 3.14 2.03 2.09 2.16 3.56 1.98 1.89 3.07 3.12 3.00 3.13 2.76 1.85 2.15 2.06 2.68 2.15 1.87 2.118
P/FCF 472.48 -163.70 -18.89 -37.16 -102.53 151.71 50.89 19.63 26.43 23.16 15.52 15.32 19.91 12.45 11.67 8.96 8.26 5.51 4.13 4.135
P/OCF 108.62 77.88 — 48.92 29.53 32.40 15.78 11.01 15.62 15.09 11.53 11.02 14.00 9.09 10.11 8.06 7.63 5.13 3.70 3.705
EV/EBITDA -1128.95 -246.36 -104.79 -426.32 34.10 35.81 14.90 10.73 18.92 17.96 18.99 15.73 17.48 11.65 10.28 7.21 7.86 4.77 4.19 4.189
EV/Revenue 7.94 2.80 1.16 1.20 1.23 2.05 1.10 1.01 1.72 1.81 1.72 1.47 1.38 0.81 0.95 0.89 1.08 0.78 0.64 0.642
EV/EBIT -100.03 -37.68 -15.78 -17.45 -38.00 -143.22 -234.14 58.92 145.52 89.37 141.28 90.89 165.94 284.05 33.56 14.22 13.17 6.94 6.02 6.023
EV/FCF 395.13 -130.72 -14.44 -33.34 -92.37 139.85 46.17 17.46 24.25 20.99 14.07 14.23 18.73 10.79 10.21 7.66 7.45 5.08 3.75 3.748
Earnings Yield -0.8% -2.3% -5.2% -4.1% -1.4% 0.2% 0.1% -0.1% -1.0% -1.0% -1.0% -1.0% 3.0% 4.3% 5.6% 8.9% 4.9% 9.6% 10.7% 10.68%
FCF Yield 0.2% -0.6% -5.3% -2.7% -1.0% 0.7% 2.0% 5.1% 3.8% 4.3% 6.4% 6.5% 5.0% 8.0% 8.6% 11.2% 12.1% 18.1% 24.2% 24.18%
PEG Ratio snapshot only 0.262
Price/Tangible Book snapshot only 3.572
EV/OCF snapshot only 3.358
EV/Gross Profit snapshot only 0.686
Acquirers Multiple snapshot only 6.179
Shareholder Yield snapshot only 26.07%
Graham Number snapshot only $10.49
Leverage & Solvency
Metric Trend 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 3.69 3.28 3.17 2.91 2.61 2.73 5.18 4.33 5.32 4.17 4.27 2.91 3.27 2.68 3.44 3.70 3.45 2.57 2.62 2.618
Quick Ratio 3.69 3.28 3.17 2.91 2.61 2.73 5.18 4.33 5.32 4.17 4.27 2.91 3.27 2.68 3.44 3.70 3.45 2.57 2.62 2.618
Debt/Equity 0.06 0.00 0.00 0.22 0.04 0.00 0.00 0.03 0.03 0.00 0.02 0.00 0.02 0.00 0.00 0.00 0.00 0.00 0.02 0.016
Net Debt/Equity -0.60 -0.63 -0.48 -0.21 -0.21 -0.28 -0.18 -0.21 -0.25 -0.29 -0.28 -0.22 -0.16 -0.25 -0.27 -0.30 -0.26 -0.17 -0.17 -0.175
Debt/Assets 0.04 0.00 0.00 0.14 0.03 0.00 0.00 0.02 0.02 0.00 0.02 0.00 0.02 0.00 0.00 0.00 0.00 0.00 0.01 0.012
Debt/EBITDA -21.57 -0.00 -0.00 -50.00 0.65 0.00 0.00 0.18 0.18 0.00 0.14 0.00 0.16 0.00 0.00 0.00 0.00 0.00 0.04 0.039
Net Debt/EBITDA 221.00 62.15 32.26 48.86 -3.75 -3.04 -1.52 -1.33 -1.70 -1.86 -1.95 -1.21 -1.10 -1.80 -1.47 -1.23 -0.85 -0.40 -0.43 -0.432
Interest Coverage -39.50 -42.50 -43.17 -22.80 -7.00 -3.32 -1.12 5.78 8.88 15.00 9.12 14.71 8.14 3.50 36.50 71.00 114.67 137.00 152.67 152.667
Equity Multiplier 1.41 1.47 1.31 1.52 1.25 1.25 1.12 1.16 1.14 1.18 1.18 1.25 1.20 1.28 1.22 1.22 1.23 1.28 1.28 1.283
Cash Ratio snapshot only 0.806
Debt Service Coverage snapshot only 219.500
Cash to Debt snapshot only 12.157
FCF to Debt snapshot only 28.863
Defensive Interval snapshot only 89.7 days
Efficiency & Turnover
Metric Trend 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 0.27 0.61 1.02 1.02 1.36 1.40 1.58 1.34 1.42 1.32 1.40 1.55 1.61 1.60 1.67 1.78 1.86 1.87 1.92 1.924
Inventory Turnover — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 1.73 3.15 4.65 5.69 7.45 6.82 7.09 7.08 7.38 6.18 6.22 6.81 7.45 6.86 7.79 7.08 7.61 7.28 8.14 8.136
Payables Turnover 2.25 2.87 3.73 6.00 11.71 5.34 13.03 5.54 20.38 3.99 9.61 4.75 11.98 3.41 6.32 5.14 8.91 3.83 4.56 4.563
DSO 211 116 79 64 49 54 51 52 49 59 59 54 49 53 47 52 48 50 45 44.9 days
DIO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 162 127 98 61 31 68 28 66 18 92 38 77 30 107 58 71 41 95 80 80.0 days
Cash Conversion Cycle 49 -12 -19 3 18 -15 23 -14 32 -33 21 -23 19 -54 -11 -19 7 -45 -35 -35.1 days
Fixed Asset Turnover snapshot only 24.294
Cash Velocity snapshot only 13.871
Capital Intensity snapshot only 0.486
Growth (YoY)
Metric Trend 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 — — — — 4.4% 1.5% 68.9% 22.4% 11.2% 2.1% 0.3% 4.9% 14.7% 24.2% 28.7% 24.7% 21.7% 15.6% 11.5% 11.51%
Net Income — — — — -29.1% 1.1% 1.0% 97.8% -15.7% -7.2% -19.5% -16.5% 3.6% 3.4% 5.2% 8.0% 60.2% 1.3% 38.0% 38.00%
EPS — — — — -2.0% 1.1% 1.0% 97.8% -16.3% -7.1% -19.2% -16.1% 3.6% 3.5% 5.3% 8.2% 63.4% 1.6% 60.7% 60.66%
FCF — — — — -4.6% 2.7% 1.5% 3.0% 6.9% 5.0% 4.2% 87.5% 18.5% 8.2% -1.8% 40.3% 1.4% 1.4% 1.0% 1.04%
EBITDA — — — — 28.9% 13.8% 12.3% 41.8% 1.8% 79.8% 23.4% 4.2% -0.9% -14.2% 31.7% 64.7% 1.1% 1.7% 84.2% 84.20%
Op. Income — — — — -1.0% 42.2% 78.5% 1.2% 1.2% 1.8% 1.5% -23.2% 1.6% -21.0% 8.9% 9.3% 5.9% 13.5% 2.3% 2.34%
OCF Growth snapshot only 97.71%
Asset Growth snapshot only -12.18%
Equity Growth snapshot only -16.46%
Shares Change snapshot only -14.10%
Growth (CAGR)
Metric Trend 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 — — — — — — — — — — — — 90.5% 47.6% 29.7% 17.0% 15.8% 13.6% 12.9% 12.91%
Revenue 5Y — — — — — — — — — — — — — — — — — — — —
EPS 3Y — — — — — — — — — — — — — — — — — 2.4% 4.0% 4.02%
EPS 5Y — — — — — — — — — — — — — — — — — — — —
Net Income 3Y — — — — — — — — — — — — — — — — — 2.3% 3.8% 3.77%
Net Income 5Y — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y — — — — — — — — — — — — — — — — 80.8% 61.3% 44.1% 44.12%
EBITDA 5Y — — — — — — — — — — — — — — — — — — — —
Gross Profit 3Y — — — — — — — — — — — — 89.1% 46.2% 28.5% 16.4% 15.7% 14.0% 13.7% 13.72%
Gross Profit 5Y — — — — — — — — — — — — — — — — — — — —
Op. Income 3Y — — — — — — — — — — — — — — — — — — — —
Op. Income 5Y — — — — — — — — — — — — — — — — — — — —
FCF 3Y — — — — — — — — — — — — 1.9% — — — — 1.5% 1.2% 1.18%
FCF 5Y — — — — — — — — — — — — — — — — — — — —
OCF 3Y — — — — — — — — — — — — 1.0% 94.5% — 96.1% 74.0% 52.3% 53.1% 53.08%
OCF 5Y — — — — — — — — — — — — — — — — — — — —
Assets 3Y — — — — — — — — — — — — 6.3% 8.1% 11.2% 0.5% 2.7% -1.5% 0.6% 0.60%
Assets 5Y — — — — — — — — — — — — — — — — — — — —
Equity 3Y — — — — — — — — — — — — 12.2% 13.3% 14.0% 8.1% 3.1% -2.4% -3.7% -3.72%
Book Value 3Y — — — — — — — — — — — — 4.4% 8.6% 9.2% 7.2% 4.4% 2.1% 1.4% 1.38%
Dividend 3Y — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend 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 — — — — — — — — 0.84 0.78 0.75 0.90 0.81 0.84 0.89 0.94 0.96 0.92 0.90 0.900
Earnings Stability — — — — — — — — 0.99 0.08 0.34 0.38 0.52 0.61 0.73 0.72 0.76 0.79 0.86 0.862
Margin Stability — — — — — — — — 0.99 0.99 0.98 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.986
Rev. Growth Consistency 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
Earn. Growth Consistency 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.000
FCF Positive Streak 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence — — — — — — — — 0.94 0.20 0.20 0.50 0.20 0.20 0.20 0.20 0.50 0.50 0.50 0.500
Earnings Smoothness — — — — — — — — — — — — — — — — 0.54 0.20 0.68 0.681
ROE Trend — — — — — — — — -0.00 0.00 0.02 0.01 0.11 0.09 0.13 0.20 0.10 0.18 0.15 0.154
Gross Margin Trend — — — — — — — — -0.02 -0.02 -0.02 -0.02 -0.01 -0.01 -0.00 0.01 0.02 0.02 0.03 0.027
FCF Margin Trend — — — — — — — — 0.07 0.09 0.15 0.09 0.04 0.02 0.02 0.04 0.07 0.07 0.06 0.063
Sustainable Growth Rate — — — — — 0.6% 0.2% — — — — — 8.3% 7.9% 12.2% 20.2% 13.2% 19.5% 18.2% 18.16%
Internal Growth Rate — — — — — 0.5% 0.2% — — — — — 7.6% 6.8% 11.4% 19.6% 12.2% 17.9% 17.0% 17.02%
Cash Flow Quality
Metric Trend 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 -0.56 0.21 -0.50 -2.45 19.90 76.33 -104.33 -6.11 -6.32 -8.88 -8.71 2.36 2.57 1.76 1.40 2.70 2.04 2.53 2.528
FCF/OCF 0.23 -0.48 4.96 -1.32 -0.29 0.21 0.31 0.56 0.59 0.65 0.74 0.72 0.70 0.73 0.87 0.90 0.92 0.93 0.90 0.896
FCF/Net Income snapshot only 2.265
OCF/EBITDA snapshot only 1.248
CapEx/Revenue 6.7% 6.6% 6.4% 6.3% 6.0% 5.4% 5.3% 4.5% 4.9% 4.6% 4.2% 4.0% 3.1% 2.8% 1.4% 1.3% 1.2% 1.1% 2.0% 1.99%
CapEx/Depreciation snapshot only 0.426
Accruals Ratio -0.05 -0.08 -0.06 -0.08 -0.09 -0.09 -0.12 -0.14 -0.20 -0.20 -0.26 -0.25 -0.10 -0.10 -0.08 -0.07 -0.18 -0.16 -0.22 -0.222
Sloan Accruals snapshot only -0.190
Cash Flow Adequacy snapshot only 9.608
Earnings Quality Score snapshot only 0.750
Dividends & Buybacks
Metric Trend 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 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%
Dividend/Share $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Payout Ratio — — — — — 0.0% 0.0% — — — — — 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
FCF Payout Ratio 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%
Total Payout Ratio — — — — — 0.0% 2.2% — — — — — 2.6% 2.7% 1.7% 39.6% 1.4% 2.0% 2.4% 2.44%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — —
Buyback Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.2% 1.8% 1.8% 1.7% 1.7% 7.7% 8.0% 11.7% 9.3% 3.5% 6.9% 18.7% 26.1% 26.07%
Net Buyback Yield -14.8% -17.5% -27.5% -22.1% -0.9% -1.2% -1.3% 0.2% 0.6% 1.2% 1.4% 7.3% 7.8% 11.6% 9.3% 3.5% 6.8% 18.4% 25.5% 25.52%
Total Shareholder Return -14.8% -17.5% -27.5% -22.1% -0.9% -1.2% -1.3% 0.2% 0.6% 1.2% 1.4% 7.3% 7.8% 11.6% 9.3% 3.5% 6.8% 18.4% 25.5% 25.52%
DuPont Factors
Metric Trend 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) 0.98 1.06 1.05 0.76 0.51 -0.19 -0.11 -0.07 -1.87 -1.11 -1.71 -1.09 6.08 19.67 2.21 1.50 0.71 0.73 0.72 0.717
Interest Burden (EBT/EBIT) 1.03 1.02 1.02 1.04 1.14 1.30 1.89 0.83 0.89 0.93 0.89 0.93 0.88 0.71 0.97 0.99 0.99 0.99 0.99 0.990
EBIT Margin -0.08 -0.07 -0.07 -0.07 -0.03 -0.01 -0.00 0.02 0.01 0.02 0.01 0.02 0.01 0.00 0.03 0.06 0.08 0.11 0.11 0.107
Asset Turnover 0.27 0.61 1.02 1.02 1.36 1.40 1.58 1.34 1.42 1.32 1.40 1.55 1.61 1.60 1.67 1.78 1.86 1.87 1.92 1.924
Equity Multiplier 1.41 1.47 1.31 1.52 1.32 1.34 1.20 1.33 1.19 1.21 1.15 1.20 1.17 1.23 1.20 1.24 1.22 1.28 1.25 1.249
Per Share
Metric Trend 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) $-0.13 $-0.28 $-0.41 $-0.36 $-0.13 $0.03 $0.01 $-0.01 $-0.15 $-0.15 $-0.14 $-0.13 $0.40 $0.39 $0.61 $0.95 $0.66 $0.99 $0.99 $0.99
Book Value/Share $4.24 $3.82 $3.91 $4.25 $4.44 $4.54 $4.75 $4.70 $4.80 $4.70 $4.87 $4.07 $4.82 $4.88 $5.09 $5.23 $5.05 $4.84 $4.95 $5.00
Tangible Book/Share $3.06 $2.78 $2.92 $1.85 $2.16 $2.40 $2.59 $2.61 $2.73 $2.78 $2.93 $2.19 $2.89 $3.01 $3.21 $3.41 $3.10 $2.55 $2.59 $2.59
Revenue/Share $1.64 $3.42 $5.25 $6.62 $7.01 $7.27 $7.78 $7.84 $7.84 $7.35 $7.69 $8.04 $9.10 $9.66 $10.07 $10.34 $11.29 $12.22 $13.07 $13.21
FCF/Share $0.03 $-0.07 $-0.42 $-0.24 $-0.09 $0.11 $0.18 $0.45 $0.56 $0.63 $0.94 $0.83 $0.67 $0.73 $0.94 $1.20 $1.64 $1.88 $2.24 $2.26
OCF/Share $0.14 $0.15 $-0.08 $0.18 $0.33 $0.50 $0.60 $0.81 $0.94 $0.97 $1.27 $1.15 $0.95 $1.00 $1.08 $1.33 $1.78 $2.02 $2.50 $2.52
Cash/Share $2.79 $2.42 $1.87 $1.85 $1.12 $1.26 $0.87 $1.12 $1.34 $1.38 $1.46 $0.90 $0.91 $1.21 $1.37 $1.57 $1.33 $0.81 $0.94 $0.95
EBITDA/Share $-0.01 $-0.04 $-0.06 $-0.02 $0.25 $0.42 $0.57 $0.74 $0.71 $0.74 $0.70 $0.75 $0.72 $0.67 $0.93 $1.27 $1.55 $2.01 $2.00 $2.00
Debt/Share $0.25 $0.00 $0.00 $0.93 $0.17 $0.00 $0.00 $0.13 $0.13 $0.00 $0.10 $0.00 $0.12 $0.00 $0.00 $0.00 $0.00 $0.00 $0.08 $0.08
Net Debt/Share $-2.55 $-2.42 $-1.87 $-0.91 $-0.95 $-1.26 $-0.87 $-0.98 $-1.21 $-1.38 $-1.36 $-0.90 $-0.79 $-1.21 $-1.37 $-1.57 $-1.33 $-0.81 $-0.86 $-0.86
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — 6.253
Altman Z-Prime snapshot only 8.386
Piotroski F-Score 3 3 2 3 4 5 6 6 6 4 2 4 8 7 8 8 9 7 7 7
Beneish M-Score — — — — -1.92 -2.07 -2.29 -3.22 -3.56 -3.47 -3.57 -3.48 -2.56 -2.65 -2.74 -2.57 -3.33 -3.30 -3.49 -3.493
Ohlson O-Score snapshot only -12.179
ROIC (Greenblatt) snapshot only 57.32%
Net-Net WC snapshot only $1.66
EVA snapshot only $37106692.39
Credit
Metric Trend 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 67.90 66.67 67.45 56.15 66.85 65.60 67.02 86.78 89.37 89.00 89.47 87.65 89.14 79.19 89.00 89.00 89.00 89.00 95.77 95.772
Credit Grade snapshot only 1
Credit Trend snapshot only 6.772
Implied Spread (bps) snapshot only 50.000
Industry Credit Rank snapshot only 89
Sector Credit Rank snapshot only 93

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms