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.

★ ★ ★ ★ ★ — Grade A

Profitability

73

Balance Sheet

71

Earnings Quality

35

Growth

42

Value

—

Momentum

64

Safety

—

Cash Flow

99

Risk & Quality Signals

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

Altman Z-Score

—

Piotroski F-Score

3/9

✓ ✓ ✗ ✓ ✗ ✗ ✗ ✗ ✗

Beneish M-Score

4.18

Possible Manipulator

Ohlson O-Score

-11.29

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

A+

Score: 79.7/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 3.40x

Accruals: -86.6%

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. PHPMF scores 3/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. 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. PHPMF's score of 4.18 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. PHPMF'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. PHPMF receives an estimated rating of A+ (score: 79.7/100), with a stable 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). PHPMF'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

18.56x

PEG

-3.29x

P/S

1.74x

P/B

8.17x

P/FCF

—

P/OCF

—

EV/EBITDA

—

EV/Revenue

—

EV/EBIT

—

EV/FCF

—

Earnings Yield

—

FCF Yield

—

Shareholder Yield

—

Graham Number

$10920.30

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 18.6x earnings, PHPMF trades at a reasonable valuation. Graham's intrinsic value formula yields $10920.30 per share, suggesting a potential 1100% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.777

NI / EBT

×

Interest Burden

0.973

EBT / EBIT

×

EBIT Margin

0.182

EBIT / Rev

×

Asset Turnover

2.613

Rev / Assets

×

Equity Multiplier

2.446

Assets / Equity

=

ROE

88.1%

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. PHPMF's ROE of 88.1% is driven by Asset Turnover (2.613), 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$18632.27

Price/Value

—

Margin of Safety

—

Premium

—

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with PHPMF's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. PHPMF trades at a premium to its adjusted intrinsic value of $18632.27, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 18.6x.

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 1362 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$910.00

Median 1Y

$945.59

5th Pctile

$636.23

95th Pctile

$1406.50

Ann. Volatility

23.7%

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	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
ROE	25.0%	40.3%	76.9%	81.6%	1.0%	81.0%	1.0%	77.4%	97.8%	76.3%	88.1%	88.14%
ROA	11.3%	19.8%	31.3%	43.6%	46.5%	41.5%	43.5%	39.7%	39.4%	38.1%	36.0%	36.03%
ROIC	1.0%	-12.8%	-3.9%	4.9%	3.2%	4.9%	5.8%	-221.7%	-2.9%	-18.6%	77.0%	77.01%
ROCE	14.3%	23.9%	44.3%	47.7%	58.9%	58.0%	85.1%	83.0%	1.2%	97.1%	1.1%	1.13%
Gross Margin	44.3%	43.5%	45.5%	42.8%	43.4%	43.3%	44.8%	43.0%	43.0%	42.3%	41.5%	41.52%
Operating Margin	23.6%	22.1%	22.4%	19.4%	18.9%	18.8%	20.8%	16.4%	17.7%	16.5%	16.4%	16.43%
Net Margin	19.4%	17.9%	18.7%	16.2%	17.0%	15.6%	17.8%	13.3%	15.0%	13.0%	13.8%	13.85%
EBITDA Margin	16.1%	15.6%	14.3%	13.1%	12.7%	21.8%	23.5%	23.4%	20.3%	23.0%	19.3%	19.30%
FCF Margin	9.0%	24.5%	18.3%	16.7%	13.5%	13.1%	15.9%	18.7%	19.9%	38.4%	45.2%	45.15%
OCF Margin	9.8%	27.0%	21.2%	19.4%	16.7%	15.9%	18.2%	20.7%	21.4%	40.0%	46.9%	46.95%
ROE 3Y Avg	snapshot only											89.09%
ROA 3Y Avg	snapshot only											36.85%
ROIC 3Y Avg	snapshot only											68.65%
ROIC Economic	snapshot only											77.01%
Cash ROA	snapshot only											1.12%
Cash ROIC	snapshot only											2.77%
CROIC	snapshot only											2.67%
NOPAT Margin	snapshot only											13.03%
Pretax Margin	snapshot only											17.74%
R&D / Revenue	snapshot only											0.00%
SGA / Revenue	snapshot only											25.70%
SBC / Revenue	snapshot only											0.00%

Valuation

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
P/E Ratio	—	—	—	—	—	—	—	—	—	—	—	18.559
P/S Ratio	—	—	—	—	—	—	—	—	—	—	—	1.739
P/B Ratio	—	—	—	—	—	—	—	—	—	—	—	8.170
P/FCF	—	—	—	—	—	—	—	—	—	—	—	—
P/OCF	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EV/Revenue	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBIT	—	—	—	—	—	—	—	—	—	—	—	—
EV/FCF	—	—	—	—	—	—	—	—	—	—	—	—
Earnings Yield	—	—	—	—	—	—	—	—	—	—	—	—
FCF Yield	—	—	—	—	—	—	—	—	—	—	—	—
Graham Number	snapshot only											$10920.30

Leverage & Solvency

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Current Ratio	1.50	1.66	1.40	1.80	1.47	1.79	1.54	1.70	1.38	1.61	1.33	1.332
Quick Ratio	1.31	1.44	1.32	1.55	1.21	1.63	1.35	1.51	1.23	1.43	1.20	1.199
Debt/Equity	0.05	0.03	0.04	0.03	0.05	0.04	0.04	0.08	0.11	0.10	0.12	0.122
Net Debt/Equity	-0.76	-1.03	-1.19	-0.84	-0.69	-0.84	-0.84	-1.00	-1.32	-1.04	0.11	0.113
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.04	0.04	0.05	0.04	0.044
Debt/EBITDA	0.22	0.10	0.07	0.05	0.06	0.05	0.04	0.08	0.08	0.09	0.09	0.086
Net Debt/EBITDA	-3.66	-3.00	-1.88	-1.25	-0.83	-1.11	-0.79	-0.99	-0.93	-0.87	0.08	0.080
Interest Coverage	—	—	124.08	70.98	41.99	27.69	39.11	37.72	53.45	66.34	51.67	51.672
Equity Multiplier	2.21	2.04	2.45	1.87	2.23	1.87	2.16	2.03	2.74	2.14	2.75	2.753
Cash Ratio	snapshot only											0.005
Debt Service Coverage	snapshot only											60.984
Cash to Debt	snapshot only											0.075
FCF to Debt	snapshot only											24.366
Defensive Interval	snapshot only											433.1 days

Efficiency & Turnover

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Asset Turnover	0.58	1.06	1.68	2.43	2.67	2.47	2.62	2.50	2.56	2.59	2.61	2.613
Inventory Turnover	3.39	5.46	18.97	12.05	12.67	15.33	20.31	13.85	12.59	18.06	16.80	16.802
Receivables Turnover	7.90	23.32	21.84	27.73	34.25	39.90	35.64	35.25	34.56	38.85	36.10	36.102
Payables Turnover	7.28	13.45	18.79	24.32	28.55	26.50	15.88	30.75	32.59	17.77	9.56	9.561
DSO	46	16	17	13	11	9	10	10	11	9	10	10.1 days
DIO	108	67	19	30	29	24	18	26	29	20	22	21.7 days
DPO	50	27	19	15	13	14	23	12	11	21	38	38.2 days
Cash Conversion Cycle	104	55	17	28	27	19	5	25	28	9	-6	-6.3 days
Fixed Asset Turnover	snapshot only											13.749
Operating Cycle	snapshot only											31.8 days
Cash Velocity	snapshot only											719.226
Capital Intensity	snapshot only											0.419

Growth (YoY)

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Revenue	—	—	—	—	3.6%	1.2%	46.8%	5.9%	6.2%	4.3%	3.6%	3.64%
Net Income	—	—	—	—	3.1%	98.5%	30.9%	-6.5%	-6.2%	-8.6%	-14.0%	-14.00%
EPS	—	—	—	—	3.1%	98.6%	30.9%	-6.5%	-6.2%	-8.6%	-14.0%	-14.02%
FCF	—	—	—	—	5.8%	17.8%	27.1%	18.2%	56.8%	2.1%	1.9%	1.95%
EBITDA	—	—	—	—	3.0%	1.2%	70.6%	47.9%	69.8%	51.2%	25.2%	25.23%
Op. Income	—	—	—	—	3.0%	91.5%	26.3%	-9.0%	-5.6%	-6.4%	-11.0%	-10.96%
OCF Growth	snapshot only											1.67%
Asset Growth	snapshot only											20.82%
Equity Growth	snapshot only											-5.41%
Debt Growth	snapshot only											1.63%
Shares Change	snapshot only											0.02%
Dividend Growth	snapshot only											-91.96%

Growth Quality

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.81	0.80	0.83	0.826
Earnings Stability	—	—	—	—	—	—	—	—	0.68	0.60	0.16	0.164
Margin Stability	—	—	—	—	—	—	—	—	0.99	0.99	0.98	0.977
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	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1
Earnings Persistence	—	—	—	—	—	—	—	—	0.98	0.97	0.94	0.944
Earnings Smoothness	—	—	—	—	0.00	0.34	0.73	0.93	0.94	0.91	0.85	0.849
ROE Trend	—	—	—	—	—	—	—	—	0.34	0.17	0.02	0.023
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.01	-0.01	-0.02	-0.016
FCF Margin Trend	—	—	—	—	—	—	—	—	0.09	0.20	0.28	0.281
Sustainable Growth Rate	-25.0%	0.7%	8.4%	1.1%	18.6%	-2.5%	-32.1%	-3.0%	27.9%	27.3%	77.3%	77.25%
Internal Growth Rate	—	0.3%	3.5%	0.6%	9.1%	—	—	—	12.7%	15.8%	46.2%	46.17%

Cash Flow Quality

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
OCF/Net Income	0.50	1.45	1.14	1.08	0.96	0.95	1.10	1.31	1.39	2.71	3.40	3.405
FCF/OCF	0.92	0.91	0.86	0.86	0.81	0.82	0.87	0.90	0.93	0.96	0.96	0.962
FCF/Net Income	snapshot only											3.274
OCF/EBITDA	snapshot only											2.181
CapEx/Revenue	0.8%	2.5%	2.9%	2.6%	3.2%	2.8%	2.3%	2.0%	1.5%	1.5%	1.8%	1.79%
CapEx/Depreciation	snapshot only											0.546
Accruals Ratio	0.06	-0.09	-0.04	-0.03	0.02	0.02	-0.04	-0.12	-0.15	-0.65	-0.87	-0.866
Sloan Accruals	snapshot only											-0.117
Cash Flow Adequacy	snapshot only											13.423
Earnings Quality Score	snapshot only											0.750

Dividends & Buybacks

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Dividend Yield	—	—	—	—	—	—	—	—	—	—	—	5.81%
Dividend/Share	$1259.93	$1259.93	$1735.64	$2570.13	$2113.00	$2621.57	$3365.26	$2530.42	$1726.51	$1490.71	$270.64	$1147.04
Payout Ratio	2.0%	98.4%	89.1%	98.7%	82.0%	1.0%	1.3%	1.0%	71.4%	64.1%	12.3%	12.35%
FCF Payout Ratio	4.3%	74.9%	90.7%	1.1%	1.1%	1.3%	1.4%	88.2%	55.1%	24.6%	3.8%	3.77%
Total Payout Ratio	2.0%	98.4%	89.1%	98.7%	82.0%	1.0%	1.3%	1.0%	71.4%	64.1%	12.3%	12.35%
Div. Increase Streak	0	0	0	0	1	1	1	0	0	0	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	—	—	—	—	—	—	—	—	—	—	—	—
Net Buyback Yield	—	—	—	—	—	—	—	—	—	—	—	—
Total Shareholder Return	—	—	—	—	—	—	—	—	—	—	—	—

DuPont Factors

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Tax Burden (NI/EBT)	0.83	0.80	0.80	0.80	0.79	0.79	0.79	0.79	0.78	0.77	0.78	0.777
Interest Burden (EBT/EBIT)	1.99	2.02	2.06	2.07	2.12	1.71	1.42	1.16	1.02	0.98	0.97	0.973
EBIT Margin	0.12	0.11	0.11	0.11	0.10	0.12	0.15	0.17	0.19	0.19	0.18	0.182
Asset Turnover	0.58	1.06	1.68	2.43	2.67	2.47	2.62	2.50	2.56	2.59	2.61	2.613
Equity Multiplier	2.21	2.04	2.45	1.87	2.22	1.95	2.30	1.95	2.48	2.00	2.45	2.446

Per Share

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
EPS (Diluted TTM)	$629.42	$1280.69	$1947.27	$2604.73	$2577.42	$2542.86	$2549.54	$2436.07	$2416.83	$2323.86	$2192.03	$2192.03
Book Value/Share	$2520.59	$3174.78	$2531.88	$3192.63	$2480.89	$3103.33	$2556.83	$3105.65	$2461.25	$2991.62	$2417.91	$2418.27
Tangible Book/Share	$2518.77	$3173.32	$2530.79	$3191.90	$2480.16	$3102.96	$2556.46	$3105.65	$2461.25	$2990.16	$2416.46	$2416.46
Revenue/Share	$3237.07	$6872.26	$10445.53	$14502.51	$14802.65	$15129.62	$15342.43	$15365.39	$15717.03	$15771.58	$15896.95	$7918.11
FCF/Share	$292.85	$1683.19	$1913.76	$2425.89	$1998.63	$1983.13	$2433.69	$2868.12	$3133.36	$6063.02	$7177.69	$6098.43
OCF/Share	$317.62	$1856.21	$2213.53	$2806.89	$2474.33	$2412.40	$2792.55	$3182.15	$3365.65	$6306.74	$7463.03	$6309.46
Cash/Share	$2027.04	$3383.86	$3124.15	$2779.57	$1834.71	$2742.56	$2260.63	$3361.38	$3526.94	$3417.49	$22.10	$22.10
EBITDA/Share	$521.42	$1089.65	$1601.60	$2133.76	$2060.37	$2353.55	$2732.80	$3156.65	$3497.81	$3557.74	$3421.65	$3421.65
Debt/Share	$117.29	$110.73	$108.91	$101.99	$116.19	$121.71	$111.85	$245.54	$279.99	$308.93	$294.58	$294.58
Net Debt/Share	$-1909.75	$-3273.13	$-3015.24	$-2677.58	$-1718.52	$-2620.85	$-2148.78	$-3115.85	$-3246.95	$-3108.56	$272.48	$272.48

Academic Models

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—
Piotroski F-Score	3	4	4	4	6	6	7	6	3	3	3	3
Beneish M-Score	—	—	—	—	-2.39	-1.82	-3.02	-3.35	-3.13	-5.76	4.18	4.178
Ohlson O-Score	snapshot only											-11.295
ROIC (Greenblatt)	snapshot only											1.15%
Net-Net WC	snapshot only											$1197.54
EVA	snapshot only											$4949394234.82

Credit

Metric	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q2'26	Current
Credit Rating	snapshot only											A+
Credit Score	73.24	73.90	78.85	79.69	79.08	79.58	78.90	78.46	78.61	79.80	79.70	79.704
Credit Grade	snapshot only											5
Credit Trend	snapshot only											0.803
Implied Spread (bps)	snapshot only											125.000
Industry Credit Rank	snapshot only											74
Sector Credit Rank	snapshot only											69

PHPMF OTC

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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