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NU NYSE

Nu Holdings Ltd.
1W: -1.2% 1M: -12.8% 3M: -4.5% YTD: -21.1% 1Y: -11.6% 3Y: +89.2%
$13.43
+0.14 (+1.05%)
 
Weekly Expected Move ±6.8%
$12 $13 $13 $14 $15
NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 36 · $65.0B mcap · 3.63B float · 2.08% daily turnover · Short 37% of daily vol
Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

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
47.7 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 16.4%  ·  5Y Avg: 3.0%
Cost Advantage ★
77
Intangibles
19
Switching Cost
53
Network Effect
45
Scale
50
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. NU shows a Weak competitive edge (47.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 16.4% 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
$17
Low
$18
Avg Target
$19
High
Based on 4 analysts since Aug 13, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 13Hold: 9Sell: 1Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$18.30
Analysts4
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-09-28 Redburn Partners Gonzalo López Initiated $19 — +39.8% $13.59
2026-08-25 Wolfe Research Darrin Peller Initiated $17 — +15.2% $14.76
2026-08-20 UBS — $17 $18 +1 +24.6% $14.61
2026-08-14 Needham Kyle Peterson $17 $19 +2 +36.4% $13.93
2026-06-26 Needham Kyle Peterson Initiated $17 — +36.4% $12.46
2026-06-03 Susquehanna — $22 $13 -9 +9.0% $11.93
2026-06-03 Scotiabank James Friedman Initiated $13 — +9.0% $11.93
2026-05-20 UBS — $18 $17 -2 +33.6% $12.65
2026-01-27 Susquehanna — $16 $22 +6 +21.0% $18.18
2025-12-18 Goldman Sachs Tito Labarta $10 $21 +12 +32.4% $15.86
2025-12-04 UBS Thiago Batista $16 $18 +2 +5.5% $17.44
2025-12-03 Banco Santander — $16 $22 +6 +26.1% $17.44
2025-11-14 KeyBanc Alex Markgraff $12 $19 +7 +18.8% $16.00
2025-10-16 UBS — $16 $16 +0 +5.4% $15.18
2025-09-02 UBS Thiago Batista $14 $16 +2 +5.0% $14.86
2025-08-25 Bradesco — Initiated $17 — +19.5% $14.23
2025-08-24 Banco Santander — Initiated $16 — +14.8% $13.94
2024-07-16 Susquehanna James Friedman $14 $16 +2 +19.9% $13.34
2024-06-26 Barclays John Coffey Initiated $15 — +20.0% $12.50
2024-06-24 Jefferies Inigo Vega Initiated $15 — +28.9% $11.79
2024-05-16 UBS Thiago Batista Initiated $14 — +15.3% $11.71
2024-05-15 Susquehanna James Friedman $10 $14 +4 +21.2% $11.55
2024-01-08 HSBC Neha Agarwala Initiated $10 — +14.3% $8.75
2022-12-06 Goldman Sachs — $15 $10 -6 +134.0% $4.06
2022-07-25 Citigroup — Initiated $7 — +69.9% $4.12
2022-05-13 Susquehanna James Friedman Initiated $10 — +117.4% $4.60
2022-01-02 Goldman Sachs Mike Ng Initiated $15 — +50.3% $9.98
2022-01-02 Morgan Stanley Jorge Kuri Initiated $16 — +60.3% $9.98
2022-01-02 KeyBanc Alex Markgraff Initiated $12 — +20.2% $9.98

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 02, 2026
DCF
1
ROE
5
ROA
5
D/E
1
P/E
2
P/B
1
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. NU receives an overall rating of B-. Strongest factors: ROE (5/5), ROA (5/5). Areas of concern: DCF (1/5), D/E (1/5), P/E (2/5), P/B (1/5).
Rating Change History
DateFromTo
2026-08-19 B B-
2026-08-17 B- B
2026-07-30 B B-
2026-05-26 B- B
2026-04-21 B B-
2026-04-07 B- B
2026-04-01 C+ B-
2026-03-02 C C+
2026-02-27 B+ C

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 19 Grade D
Profitability
67
Balance Sheet
37
Earnings Quality
18
Growth
79
Value
45
Momentum
22
Safety
100
Cash Flow
8
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. NU scores highest in Safety (100/100) and lowest in Cash Flow (8/100). 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-B Score
6.73
Safe Zone
Piotroski F-Score
4/9
✓ ✗ ✓ ✗ ✗ ✗ ✗ ✓ ✓
Beneish M-Score
-0.73
Possible Manipulator
Ohlson O-Score
-5.78
Bankruptcy prob: 0.3%
Low Risk
Credit Rating
A-
Score: 67.6/100
Trend: Deteriorating
Earnings Quality
25/100
OCF/NI: -1.19x
Accruals: 10.8%
The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. NU scores 6.73, placing it in the Safe Zone (safe > 3.0, distress < 1.5). 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. NU scores 4/9, 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. NU's score of -0.73 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. NU's implied 0.3% 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. NU receives an estimated rating of A- (score: 67.6/100), 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). NU's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

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
18.15x
PEG
0.34x
P/S
3.36x
P/B
4.92x
P/FCF
-15.54x
P/OCF
—
EV/EBITDA
16.57x
EV/Revenue
3.87x
EV/EBIT
16.90x
EV/FCF
-17.62x
Earnings Yield
5.50%
FCF Yield
-6.43%
Shareholder Yield
0.76%
Graham Number
$6.69
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 18.1x earnings, NU trades at a reasonable valuation. An earnings yield of 5.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $6.69 per share, 101% 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
0.821
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.229
EBIT / Rev
×
Asset Turnover
0.264
Rev / Assets
×
Equity Multiplier
6.374
Assets / Equity
=
ROE
31.6%
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. NU's ROE of 31.6% is driven by financial leverage (equity multiplier: 6.37x). 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
15.00%
Fair P/E
38.50x
Intrinsic Value
$28.31
Price/Value
0.47x
Margin of Safety
52.81%
Premium
-52.81%
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 NU's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. NU actually compounded EPS at 259.2% 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. NU trades at a -53% premium to its adjusted intrinsic value of $28.31, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 18.1x.

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 1208 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$13.43
Median 1Y
$12.03
5th Pctile
$4.94
95th Pctile
$29.29
Ann. Volatility
57.5%
Analyst Target
$18.30
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
10,027
+15.0% YoY
Revenue / Employee
$1,583,586
Rev: $15,878,615,998
Profit / Employee
$286,117
NI: $2,868,892,000
SGA / Employee
$60,059
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability
Metric Trend 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 -1.5% -2.3% -3.0% -2.8% -7.8% -3.6% 1.5% 7.0% 18.2% 21.1% 24.3% 26.3% 28.1% 27.9% 27.9% 27.8% 30.3% 30.0% 31.6% 31.61%
ROA -0.3% -0.5% -0.6% -0.5% -1.5% -0.7% 0.3% 1.2% 2.8% 3.5% 3.9% 4.2% 4.2% 4.4% 4.3% 4.3% 4.6% 4.8% 5.0% 4.96%
ROIC 1.1% 1.4% 1.6% 1.5% 2.2% 2.0% -0.8% -3.5% -7.1% -9.4% -11.4% -12.1% -13.5% -15.4% -14.8% -17.0% 8.3% -21.9% 16.4% 16.42%
ROCE -1.7% -2.8% -3.1% -3.0% -4.6% 0.0% 4.7% 9.1% 16.4% 20.6% 23.7% 23.9% 25.3% 26.2% 24.2% 23.8% 9.8% 24.8% 10.2% 10.16%
Gross Margin 35.2% 33.1% 31.2% 32.5% 40.2% 40.7% 41.9% 42.6% 47.9% 43.5% 48.2% 46.3% 45.7% 40.6% 42.3% 43.7% 44.3% 40.2% 45.3% 45.27%
Operating Margin -15.2% -8.2% -2.3% 0.4% -16.1% 15.8% 18.0% 20.3% 24.4% 21.9% 26.4% 25.3% 26.9% 25.3% 24.8% 27.9% 22.9% 19.2% 22.4% 22.40%
Net Margin -11.4% -5.5% -2.7% 0.6% -21.6% 9.2% 12.5% 14.9% 15.7% 14.4% 17.7% 19.4% 19.3% 17.7% 18.0% 19.5% 19.0% 17.5% 19.2% 19.21%
EBITDA Margin -14.1% -7.3% -1.3% 1.0% -15.4% 16.6% 18.8% 21.2% 25.1% 22.6% 27.0% 26.0% 27.6% 25.9% 25.5% 28.5% 23.6% 19.9% 22.5% 22.48%
FCF Margin -3.2% -1.3% -55.6% -38.5% 14.2% 11.9% 31.0% -20.5% 14.2% 5.1% 14.9% 34.4% 20.0% 32.9% 29.5% 27.1% 22.7% 7.0% -21.9% -21.95%
OCF Margin -3.2% -1.3% -53.0% -35.8% 16.7% 14.7% 33.7% -18.0% 16.5% 6.9% 16.2% 35.4% 21.6% 34.9% 31.8% 29.8% 22.7% 7.0% -22.3% -22.25%
ROE 3Y Avg snapshot only 24.45%
ROE 5Y Avg snapshot only 14.35%
ROA 3Y Avg snapshot only 3.81%
ROIC Economic snapshot only 6.58%
Cash ROA snapshot only -5.17%
Cash ROIC snapshot only -19.43%
CROIC snapshot only -19.16%
NOPAT Margin snapshot only 18.80%
Pretax Margin snapshot only 22.87%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 5.12%
SBC / Revenue snapshot only 1.84%
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 -654.31 -323.61 -124.01 -159.54 -53.03 -129.04 497.39 94.65 39.26 45.99 41.12 37.49 25.25 23.30 29.23 31.05 28.63 22.16 18.17 18.149
P/S Ratio 74.37 25.67 7.03 5.70 4.28 4.38 6.42 5.22 5.28 6.65 6.47 6.33 4.48 4.31 5.42 5.80 5.34 4.09 3.41 3.356
P/B Ratio 9.74 7.51 3.69 4.47 3.95 4.40 6.77 5.98 6.32 8.57 9.09 8.73 6.51 5.82 7.02 7.44 7.28 5.61 4.95 4.923
P/FCF -23.09 -19.89 -12.63 -14.82 30.15 36.67 20.69 -25.41 37.15 131.29 43.45 18.41 22.39 13.10 18.38 21.42 23.52 58.74 -15.54 -15.542
P/OCF — — — — 25.59 29.72 19.04 — 31.95 96.95 40.08 17.87 20.76 12.36 17.06 19.44 23.47 58.74 — —
EV/EBITDA -398.63 -159.00 -24.82 -50.68 -12.07 203.55 57.29 23.13 12.24 19.58 18.14 16.70 9.59 8.89 12.94 14.55 26.59 10.48 16.57 16.573
EV/Revenue 56.27 16.11 1.56 1.95 0.73 1.69 3.81 2.79 2.56 4.34 4.38 4.21 2.48 2.37 3.39 3.92 6.86 2.52 3.87 3.866
EV/EBIT -369.61 -144.65 -21.46 -41.41 -10.68 3720.46 64.58 24.85 12.74 20.30 18.72 17.17 9.85 9.13 13.29 14.92 27.26 10.76 16.90 16.905
EV/FCF -17.47 -12.49 -2.80 -5.08 5.15 14.15 12.27 -13.58 18.00 85.66 29.42 12.25 12.38 7.19 11.50 14.49 30.22 36.13 -17.62 -17.618
Earnings Yield -0.2% -0.3% -0.8% -0.6% -1.9% -0.8% 0.2% 1.1% 2.5% 2.2% 2.4% 2.7% 4.0% 4.3% 3.4% 3.2% 3.5% 4.5% 5.5% 5.50%
FCF Yield -4.3% -5.0% -7.9% -6.7% 3.3% 2.7% 4.8% -3.9% 2.7% 0.8% 2.3% 5.4% 4.5% 7.6% 5.4% 4.7% 4.3% 1.7% -6.4% -6.43%
PEG Ratio snapshot only 0.335
Price/Tangible Book snapshot only 5.419
EV/Gross Profit snapshot only 8.909
Acquirers Multiple snapshot only 16.941
Shareholder Yield snapshot only 0.76%
Graham Number snapshot only $6.69
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 1.07 1.07 1.07 1.08 1.12 1.11 1.10 1.11 1.08 1.04 0.99 0.99 0.96 0.93 0.89 0.88 0.40 0.83 0.25 0.249
Quick Ratio 1.07 1.07 1.07 1.08 1.12 1.11 1.10 1.11 1.08 1.04 0.99 0.99 0.96 0.93 0.89 0.88 0.40 0.83 0.25 0.249
Debt/Equity 0.04 0.04 0.11 0.11 0.16 0.16 0.16 0.22 0.18 0.23 0.21 0.13 0.12 0.20 0.24 0.30 3.34 0.25 3.17 3.172
Net Debt/Equity -2.37 -2.80 -2.87 -2.94 -3.28 -2.70 -2.76 -2.78 -3.26 -2.98 -2.93 -2.92 -2.91 -2.63 -2.63 -2.41 2.07 -2.16 0.66 0.660
Debt/Assets 0.01 0.01 0.02 0.02 0.03 0.03 0.03 0.04 0.03 0.04 0.03 0.02 0.02 0.03 0.04 0.05 0.50 0.04 0.51 0.508
Debt/EBITDA -2.05 -1.20 -3.28 -3.71 -2.94 18.73 2.35 1.57 0.73 0.81 0.62 0.38 0.31 0.56 0.71 0.85 9.51 0.76 9.38 9.376
Net Debt/EBITDA 128.25 94.27 86.99 97.22 58.67 -323.88 -39.31 -20.15 -13.02 -10.43 -8.65 -8.39 -7.75 -7.31 -7.74 -6.97 5.90 -6.55 1.95 1.952
Interest Coverage -0.50 -0.35 -0.21 -0.13 -0.20 0.00 0.20 0.41 0.76 0.83 0.92 0.96 0.99 0.98 0.92 0.90 0.85 0.81 0.80 0.802
Equity Multiplier 4.47 5.07 5.32 5.47 6.12 5.66 5.95 6.06 6.77 6.44 6.47 6.36 6.53 6.30 6.55 6.48 6.64 6.15 6.25 6.246
Cash Ratio snapshot only 0.842
Debt Service Coverage snapshot only 0.818
Cash to Debt snapshot only 0.792
FCF to Debt snapshot only -0.100
Defensive Interval snapshot only 5065.2 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 0.03 0.06 0.10 0.14 0.18 0.20 0.20 0.22 0.21 0.24 0.25 0.25 0.24 0.24 0.23 0.23 0.25 0.26 0.26 0.264
Inventory Turnover — — — — — — — — — — — — — — — — — — — —
Receivables Turnover (trade) 0.12 0.22 0.38 0.53 0.69 0.68 0.71 0.77 0.74 0.80 0.87 0.91 0.90 0.88 0.91 0.92 2.51 1.02 1.05 1.049
Payables Turnover 0.08 0.16 0.28 0.43 0.49 0.52 0.53 0.57 0.51 0.60 0.63 0.69 0.63 0.65 0.70 0.75 1.88 0.81 0.81 0.814
DSO (trade) 3001 1624 951 685 526 536 517 473 491 457 421 401 406 414 400 397 145 357 348 347.9 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 4731 2335 1295 858 738 703 690 635 710 613 575 529 580 563 523 486 194 452 448 448.1 days
Cash Conversion Cycle (trade) -1730 -712 -344 -173 -212 -167 -173 -162 -218 -155 -154 -128 -175 -149 -123 -89 -49 -95 -100 -100.2 days
Fixed Asset Turnover snapshot only 182.413
Cash Velocity snapshot only 0.577
Capital Intensity snapshot only 4.307
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 — — — — 6.8% 2.7% 1.4% 81.2% 69.7% 67.2% 63.2% 56.3% 44.8% 32.5% 27.6% 28.5% 38.6% 48.4% 54.9% 54.91%
Net Income — — — — -4.5% -59.9% 1.5% 3.8% 3.8% 8.1% 18.9% 3.8% 91.4% 69.7% 50.3% 42.1% 45.5% 48.0% 56.8% 56.83%
EPS — — — — -4.4% -54.6% 1.5% 3.8% 3.8% 8.0% 18.8% 3.8% 93.4% 69.4% 49.8% 41.6% 42.5% 47.5% 56.7% 56.66%
FCF — — — — 1.3% 1.3% 2.3% 3.2% 69.8% -29.0% -21.6% 3.6% 1.0% 7.6% 1.5% 1.1% 57.1% -68.6% -2.2% -2.15%
EBITDA — — — — -2.3% 1.3% 3.5% 6.7% 6.9% 43.7% 4.9% 2.3% 79.3% 59.2% 38.4% 37.2% 38.2% 34.0% 37.9% 37.89%
Op. Income — — — — -2.5% 1.0% 2.9% 5.3% 6.0% 786.7% 5.5% 2.4% 81.6% 60.7% 39.1% 37.5% 38.4% 33.7% 38.5% 38.50%
OCF Growth snapshot only -2.08%
Asset Growth snapshot only 31.92%
Equity Growth snapshot only 38.38%
Debt Growth snapshot only 17.25%
Shares Change snapshot only 0.10%
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 — — — — — — — — — — — — 1.7% 1.0% 70.9% 53.8% 50.5% 48.7% 47.8% 47.76%
Revenue 5Y — — — — — — — — — — — — — — — — — — — —
EPS 3Y — — — — — — — — — — — — — — — — — — 2.6% 2.59%
EPS 5Y — — — — — — — — — — — — — — — — — — — —
Net Income 3Y — — — — — — — — — — — — — — — — — — 2.6% 2.61%
Net Income 5Y — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y — — — — — — — — — — — — — — — — — 3.6% 1.2% 1.25%
EBITDA 5Y — — — — — — — — — — — — — — — — — — — —
Gross Profit 3Y — — — — — — — — — — — — 1.9% 1.2% 87.9% 68.6% 61.6% 56.3% 52.8% 52.79%
Gross Profit 5Y — — — — — — — — — — — — — — — — — — — —
Op. Income 3Y — — — — — — — — — — — — — — — — — 10.9% 1.3% 1.32%
Op. Income 5Y — — — — — — — — — — — — — — — — — — — —
FCF 3Y — — — — — — — — — — — — — — — — 76.0% 24.3% — —
FCF 5Y — — — — — — — — — — — — — — — — — — — —
OCF 3Y — — — — — — — — — — — — — — — — 66.7% 15.9% — —
OCF 5Y — — — — — — — — — — — — — — — — — — — —
Assets 3Y — — — — — — — — — — — — 36.0% 30.7% 35.5% 38.0% 35.8% 38.0% 35.0% 35.04%
Assets 5Y — — — — — — — — — — — — — — — — — — — —
Equity 3Y — — — — — — — — — — — — 19.9% 21.6% 26.4% 30.5% 32.2% 34.2% 32.9% 32.90%
Book Value 3Y — — — — — — — — — — — — 18.2% 19.6% 24.4% 29.7% 30.7% 33.4% 32.3% 32.35%
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 — — — — — — — — 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.99 0.98 0.96 0.961
Earnings Stability — — — — — — — — 0.56 0.71 0.85 0.93 0.82 0.88 0.94 0.97 0.91 0.94 0.96 0.964
Margin Stability — — — — — — — — 0.87 0.86 0.84 0.83 0.86 0.86 0.86 0.86 0.88 0.91 0.94 0.938
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 0.00 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 1.000
FCF Positive Streak 0 0 0 0 0 0 0 0 1 1 1 0 1 1 1 1 1 1 0 0
Earnings Persistence — — — — — — — — 0.20 0.20 0.50 0.50 0.50 0.50 0.50 0.83 0.82 0.81 0.50 0.500
Earnings Smoothness — — — — — — — — — — 0.00 0.00 0.37 0.48 0.60 0.65 0.63 0.61 0.56 0.557
ROE Trend — — — — — — — — 0.21 0.22 0.23 0.22 0.21 0.17 0.12 0.09 0.04 0.03 0.04 0.042
Gross Margin Trend — — — — — — — — 0.09 0.09 0.10 0.09 0.07 0.05 0.01 -0.01 -0.02 -0.02 -0.01 -0.012
FCF Margin Trend — — — — — — — — 1.68 0.64 0.27 0.64 0.06 0.24 0.07 0.20 0.06 -0.12 -0.44 -0.441
Sustainable Growth Rate — — — — — — 1.5% 7.0% 18.2% 21.1% 24.3% 26.3% 28.1% 27.9% 27.9% 27.8% 30.3% 30.0% 31.6% 31.61%
Internal Growth Rate — — — — — — 0.3% 1.2% 2.9% 3.6% 4.1% 4.4% 4.4% 4.6% 4.5% 4.5% 4.8% 5.1% 5.2% 5.22%
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 28.14 16.02 9.35 10.01 -2.07 -4.34 26.12 -3.26 1.23 0.47 1.03 2.10 1.22 1.89 1.71 1.60 1.22 0.38 -1.19 -1.185
FCF/OCF 1.01 1.02 1.05 1.08 0.85 0.81 0.92 1.14 0.86 0.74 0.92 0.97 0.93 0.94 0.93 0.91 1.00 1.00 0.99 0.986
FCF/Net Income snapshot only -1.169
OCF/EBITDA snapshot only -0.954
CapEx/Revenue 2.3% 2.0% 2.7% 2.7% 2.5% 2.8% 2.7% 2.6% 2.3% 1.8% 1.3% 1.0% 1.6% 2.0% 2.3% 2.8% 0.0% 0.0% 0.3% 0.31%
CapEx/Depreciation snapshot only 0.668
Accruals Ratio 0.09 0.07 0.05 0.05 -0.04 -0.04 -0.07 0.05 -0.01 0.02 -0.00 -0.05 -0.01 -0.04 -0.03 -0.03 -0.01 0.03 0.11 0.108
Sloan Accruals snapshot only -0.337
Cash Flow Adequacy snapshot only -72.800
Earnings Quality Score snapshot only 0.250
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% 0.0% 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% — —
Total 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% 13.9% 13.87%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — —
Buyback Yield 6.0% 7.2% 14.8% 12.2% 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% 0.8% 0.76%
Net Buyback Yield 6.0% 6.5% 13.4% 11.0% -1.3% 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% 0.8% 0.76%
Total Shareholder Return 6.0% 6.5% 13.4% 11.0% -1.3% 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% 0.8% 0.76%
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) 0.75 0.71 0.78 0.76 1.18 -74.71 0.22 0.49 0.67 0.68 0.67 0.69 0.71 0.71 0.73 0.71 0.74 0.79 0.82 0.821
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 1.00 1.00 1.00 1.000
EBIT Margin -0.15 -0.11 -0.07 -0.05 -0.07 0.00 0.06 0.11 0.20 0.21 0.23 0.25 0.25 0.26 0.26 0.26 0.25 0.23 0.23 0.229
Asset Turnover 0.03 0.06 0.10 0.14 0.18 0.20 0.20 0.22 0.21 0.24 0.25 0.25 0.24 0.24 0.23 0.23 0.25 0.26 0.26 0.264
Equity Multiplier 4.47 5.07 5.32 5.47 5.34 5.38 5.66 5.80 6.49 6.11 6.24 6.23 6.64 6.36 6.52 6.43 6.60 6.21 6.37 6.374
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) $-0.01 $-0.02 $-0.03 $-0.03 $-0.08 $-0.04 $0.02 $0.08 $0.21 $0.26 $0.31 $0.36 $0.41 $0.44 $0.47 $0.52 $0.58 $0.65 $0.74 $0.74
Book Value/Share $0.96 $1.03 $1.01 $0.99 $1.03 $1.08 $1.17 $1.21 $1.32 $1.39 $1.42 $1.56 $1.59 $1.76 $1.95 $2.15 $2.30 $2.56 $2.70 $2.73
Tangible Book/Share $0.86 $0.91 $0.90 $0.87 $0.91 $0.95 $1.03 $1.07 $1.18 $1.25 $1.27 $1.40 $1.43 $1.59 $1.77 $1.95 $2.09 $2.34 $2.47 $2.47
Revenue/Share $0.13 $0.30 $0.53 $0.77 $0.95 $1.09 $1.23 $1.39 $1.58 $1.79 $1.99 $2.16 $2.31 $2.37 $2.53 $2.76 $3.14 $3.51 $3.92 $3.99
FCF/Share $-0.41 $-0.39 $-0.30 $-0.30 $0.13 $0.13 $0.38 $-0.29 $0.22 $0.09 $0.30 $0.74 $0.46 $0.78 $0.75 $0.75 $0.71 $0.24 $-0.86 $-0.87
OCF/Share $-0.40 $-0.38 $-0.28 $-0.28 $0.16 $0.16 $0.41 $-0.25 $0.26 $0.12 $0.32 $0.76 $0.50 $0.83 $0.80 $0.82 $0.71 $0.24 $-0.87 $-0.88
Cash/Share $2.32 $2.91 $3.02 $3.00 $3.54 $3.09 $3.40 $3.64 $4.53 $4.47 $4.46 $4.77 $4.82 $4.98 $5.61 $5.82 $2.92 $6.17 $6.78 $6.85
EBITDA/Share $-0.02 $-0.03 $-0.03 $-0.03 $-0.06 $0.01 $0.08 $0.17 $0.33 $0.40 $0.48 $0.54 $0.60 $0.63 $0.66 $0.74 $0.81 $0.84 $0.91 $0.91
Debt/Share $0.04 $0.04 $0.11 $0.11 $0.17 $0.17 $0.19 $0.26 $0.24 $0.32 $0.30 $0.21 $0.18 $0.35 $0.47 $0.64 $7.70 $0.64 $8.57 $8.57
Net Debt/Share $-2.28 $-2.87 $-2.91 $-2.89 $-3.38 $-2.92 $-3.21 $-3.38 $-4.29 $-4.15 $-4.16 $-4.57 $-4.63 $-4.62 $-5.14 $-5.18 $4.77 $-5.53 $1.78 $1.78
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-B Score — — — — — — — — — — — — — — — — — — — 6.727
Altman Z-Prime snapshot only -0.725
Piotroski F-Score 1 1 1 1 5 5 7 5 6 5 6 7 7 6 5 5 5 4 4 4
Beneish M-Score — — — — -1.77 -2.00 -2.13 -1.65 -1.75 -1.76 -2.04 -2.22 -2.14 -2.19 -2.01 -1.96 -1.75 -1.66 -0.73 -0.726
Ohlson O-Score snapshot only -5.777
Net-Net WC snapshot only $-12.16
EVA snapshot only $1411612212.80
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 A-
Credit Score 51.46 51.64 52.79 53.48 71.36 71.83 77.92 75.30 98.07 90.98 97.93 97.86 97.88 97.96 98.02 97.96 70.61 94.16 67.57 67.566
Credit Grade snapshot only 7
Credit Trend snapshot only -30.456
Implied Spread (bps) snapshot only 175.000
Industry Credit Rank snapshot only 63
Sector Credit Rank snapshot only 57

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