Also trades as: PMTS.TO (TSX) · $vol 0M

$25.43

-0.83 (-3.16%)

Pre-Market: $25.16 (-0.27, -1.04%)

Weekly Expected Move ±4.3%

$25 $26 $27 $28 $29

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Buy · Power 69 · $294.8M mcap · 6M float · 2.16% daily turnover · Short 53% of daily vol

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

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

Edge Score

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

NO EDGE

35.2 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 14.6%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. PMTS has No discernible competitive edge (35.2/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 14.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$32

Low

$33

Avg Target

$34

High

Based on 2 analysts since Aug 6, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 6Hold: 3Sell: 2Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$33.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-11	Roth Capital	—	$25	$32	+7	+3.7%	$30.87
2026-08-11	D.A. Davidson	—	$30	$34	+4	+15.4%	$29.45
2026-05-06	Lake Street	—	$25	$27	+2	+71.8%	$15.72
2026-05-05	Roth Capital	Craig Irwin	$30	$25	-5	+56.3%	$15.99
2025-11-05	Lake Street	—	Initiated	$25	—	+76.7%	$14.14
2025-11-05	D.A. Davidson	Peter Heckmann	$38	$30	-8	+114.1%	$14.01
2025-11-04	Roth Capital	—	Initiated	$30	—	+118.3%	$13.74
2025-03-05	D.A. Davidson	—	$36	$38	+2	+30.9%	$29.03
2024-11-21	D.A. Davidson	Peter Heckmann	Initiated	$36	—	+26.0%	$28.57
2024-08-06	Loop Capital Markets	Jaeson Schmidt	$22	$33	+11	+42.4%	$23.18
2024-08-06	B.Riley Financial	Hal Goetsch	Initiated	$34	—	+46.5%	$23.21
2024-05-07	Loop Capital Markets	Jaeson Schmidt	Initiated	$22	—	+15.7%	$19.01

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.

C+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. PMTS receives an overall rating of C+. Strongest factors: ROA (5/5). Areas of concern: ROE (1/5), D/E (1/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-22	B-	C+
2026-10-01	C+	B-
2026-07-22	B-	C+
2026-04-08	B	B-
2026-04-07	B-	B
2026-04-07	B	B-
2026-04-06	B-	B
2026-04-02	B	B-
2026-04-01	C+	B
2026-03-23	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.

★ ★ ★ ★ ★ 56 Grade C

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. PMTS scores highest in Momentum (82/100) and lowest in Profitability (19/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

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

Altman-B Score

3.46

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-3.53

Unlikely Manipulator

Ohlson O-Score

-5.72

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

B-

Score: 20.0/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 6.67x

Accruals: -19.7%

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. PMTS scores 3.46, 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. PMTS 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. PMTS's score of -3.53 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. PMTS'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. PMTS receives an estimated rating of B- (score: 20.0/100), 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). PMTS'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

21.19x

PEG

0.21x

P/S

0.50x

P/B

-25.43x

P/FCF

3.25x

P/OCF

2.71x

EV/EBITDA

6.39x

EV/Revenue

0.86x

EV/EBIT

9.27x

EV/FCF

6.56x

Earnings Yield

5.54%

FCF Yield

30.81%

Shareholder Yield

0.17%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 21.2x earnings, PMTS commands a growth premium. An earnings yield of 5.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk.

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

0.636

NI / EBT

Interest Burden

0.399

EBT / EBIT

EBIT Margin

0.092

EBIT / Rev

Asset Turnover

1.486

Rev / Assets

Equity Multiplier

-19.511

Assets / Equity

ROE

-67.9%

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. PMTS's ROE of -67.9% is driven by Asset Turnover (1.486), 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

2.72%

Fair P/E

13.93x

Intrinsic Value

$16.03

Price/Value

1.30x

Margin of Safety

-29.65%

Premium

29.65%

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 PMTS's realized 2.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. PMTS trades at a 30% premium to its adjusted intrinsic value of $16.03, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 13.9x compares to the current market P/E of 21.2x.

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

$25.43

Median 1Y

$24.47

5th Pctile

$6.29

95th Pctile

$94.94

Ann. Volatility

83.5%

Analyst Target

$33.00

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

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

Executive	Salary	Stock	Total
John Lowe, President, Chief Executive Officer and Director	$648,365	$2,611,944	$3,794,309
Jeffrey Hochstadt, Financial ief Financial Officer	$440,888	$621,166	$1,365,665
Toni Thompson, Operating rating Officer	$484,792	$324,815	$1,068,407

CEO Pay Ratio

56:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,794,309

Avg Employee Cost (SGA/emp): $67,797

Employees: 1,700

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

1,700

+13.3% YoY

Revenue / Employee

$319,726

Rev: $543,534,000

Profit / Employee

$8,794

NI: $14,950,000

SGA / Employee

$67,797

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	-16.8%	-12.3%	-15.6%	-16.5%	-22.8%	-36.0%	-44.8%	-49.2%	-44.7%	-35.8%	-31.2%	-33.6%	-31.1%	-44.6%	-48.2%	-36.3%	-42.0%	-56.5%	-55.9%	-67.9%	-67.92%
ROA	8.9%	6.0%	7.3%	7.2%	8.9%	12.9%	14.2%	14.2%	11.3%	8.1%	6.0%	5.8%	4.9%	6.1%	5.6%	3.7%	3.8%	4.0%	3.3%	3.5%	3.48%
ROIC	30.7%	24.0%	20.3%	20.0%	22.9%	29.7%	30.8%	29.1%	25.5%	20.6%	17.4%	16.2%	18.6%	22.2%	21.7%	16.4%	13.7%	12.7%	13.5%	14.6%	14.64%
ROCE	28.8%	26.8%	26.3%	25.9%	27.1%	34.6%	34.1%	34.3%	30.0%	25.2%	22.4%	20.8%	20.1%	21.6%	20.7%	16.7%	16.0%	17.2%	16.6%	18.0%	18.04%
Gross Margin	37.8%	33.2%	35.3%	35.8%	38.9%	37.6%	35.7%	35.5%	34.1%	33.1%	35.9%	35.7%	35.8%	34.1%	33.2%	30.9%	29.7%	31.5%	30.0%	32.5%	32.50%
Operating Margin	16.8%	9.9%	16.1%	13.3%	18.8%	17.9%	17.0%	15.2%	12.2%	10.2%	12.6%	12.5%	14.3%	12.7%	11.5%	7.3%	9.4%	12.0%	7.5%	8.0%	7.95%
Net Margin	6.7%	0.7%	5.4%	5.4%	9.6%	9.9%	9.0%	5.7%	3.6%	2.7%	4.9%	5.1%	1.0%	5.4%	3.9%	0.4%	1.7%	4.8%	1.4%	1.4%	1.37%
EBITDA Margin	20.3%	13.6%	19.0%	16.4%	21.8%	21.3%	20.1%	18.7%	16.0%	14.2%	16.2%	16.0%	14.8%	16.1%	14.9%	11.5%	13.5%	16.6%	11.2%	12.2%	12.20%
FCF Margin	4.8%	2.7%	-1.7%	-6.0%	-0.5%	2.8%	7.5%	6.9%	6.9%	6.2%	7.1%	5.8%	5.2%	7.1%	5.5%	6.7%	5.4%	7.6%	9.0%	13.0%	13.03%
OCF Margin	7.2%	5.4%	1.0%	-2.6%	3.9%	6.6%	11.4%	10.2%	8.9%	7.7%	8.0%	6.3%	6.2%	9.0%	8.1%	9.8%	9.0%	10.9%	11.9%	15.6%	15.62%
ROA 3Y Avg	snapshot only																				4.16%
ROIC 3Y Avg	snapshot only																				7.59%
ROIC Economic	snapshot only																				14.08%
Cash ROA	snapshot only																				23.49%
Cash ROIC	snapshot only																				37.85%
CROIC	snapshot only																				31.59%
NOPAT Margin	snapshot only																				6.04%
Pretax Margin	snapshot only																				3.68%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				21.49%
SBC / Revenue	snapshot only																				0.88%

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	18.16	13.71	8.70	10.12	7.51	11.66	12.94	6.61	6.49	9.43	11.32	17.78	21.34	18.26	18.59	21.18	12.49	11.62	14.07	18.07	21.192
P/S Ratio	1.12	0.58	0.43	0.47	0.42	0.90	1.10	0.57	0.47	0.51	0.48	0.73	0.72	0.74	0.71	0.56	0.35	0.32	0.30	0.42	0.502
P/B Ratio	-3.34	-1.81	-1.49	-1.84	-1.97	-5.19	-7.57	-4.39	-3.86	-4.35	-4.34	-7.20	-7.72	-10.01	-11.79	-9.75	-6.99	-10.02	-12.28	-21.66	-25.426
P/FCF	23.08	21.52	-25.82	-7.81	-82.21	31.62	14.70	8.24	6.76	8.18	6.75	12.70	13.83	10.47	12.98	8.44	6.47	4.20	3.36	3.25	3.246
P/OCF	15.55	10.80	41.20	—	10.66	13.59	9.69	5.54	5.23	6.64	6.02	11.53	11.62	8.23	8.75	5.76	3.85	2.92	2.55	2.71	2.709
EV/EBITDA	9.44	7.27	6.47	6.90	6.02	7.51	8.38	5.55	5.44	6.28	6.54	8.61	8.62	8.10	8.03	8.19	6.72	6.33	5.87	6.39	6.389
EV/Revenue	1.90	1.35	1.20	1.20	1.08	1.48	1.68	1.14	1.04	1.09	1.07	1.34	1.32	1.27	1.24	1.17	0.94	0.90	0.78	0.86	0.855
EV/EBIT	12.06	9.29	8.05	8.58	7.36	8.92	9.92	6.57	6.59	7.91	8.46	11.25	11.22	10.35	10.29	10.95	9.33	8.93	8.56	9.27	9.273
EV/FCF	39.19	49.78	-72.53	-19.92	-212.31	52.43	22.33	16.56	15.07	17.59	14.95	23.37	25.28	17.98	22.57	17.55	17.46	11.84	8.65	6.56	6.561
Earnings Yield	5.5%	7.3%	11.5%	9.9%	13.3%	8.6%	7.7%	15.1%	15.4%	10.6%	8.8%	5.6%	4.7%	5.5%	5.4%	4.7%	8.0%	8.6%	7.1%	5.5%	5.54%
FCF Yield	4.3%	4.6%	-3.9%	-12.8%	-1.2%	3.2%	6.8%	12.1%	14.8%	12.2%	14.8%	7.9%	7.2%	9.6%	7.7%	11.8%	15.5%	23.8%	29.7%	30.8%	30.81%
PEG Ratio	snapshot only																				0.212
EV/OCF	snapshot only																				5.477
EV/Gross Profit	snapshot only																				2.761
Acquirers Multiple	snapshot only																				9.272
Shareholder Yield	snapshot only																				0.17%

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	2.66	2.25	2.64	2.55	2.76	2.46	2.93	3.16	3.53	3.34	2.44	2.61	2.65	2.69	2.95	2.59	2.56	2.44	2.54	2.09	2.087
Quick Ratio	1.76	1.35	1.48	1.37	1.63	1.46	1.72	1.76	1.90	1.92	1.32	1.36	1.42	1.72	1.80	1.52	1.53	1.58	1.66	1.39	1.390
Debt/Equity	-2.50	-2.54	-2.80	-2.94	-3.35	-3.55	-4.13	-4.61	-4.92	-5.24	-5.62	-6.22	-6.74	-8.13	-9.77	-11.11	-12.50	-19.47	-20.69	-23.98	-23.983
Net Debt/Equity	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Debt/Assets	1.22	1.15	1.12	1.09	1.03	0.98	0.98	0.97	0.96	0.93	0.85	0.86	0.84	0.83	0.83	0.81	0.79	0.84	0.75	0.70	0.705
Debt/EBITDA	4.17	4.43	4.33	4.32	3.96	3.10	3.01	2.90	3.11	3.52	3.83	4.04	4.11	3.83	3.83	4.49	4.45	4.37	3.85	3.50	3.500
Net Debt/EBITDA	3.88	4.13	4.17	4.20	3.69	2.98	2.86	2.79	3.00	3.36	3.59	3.93	3.91	3.38	3.41	4.25	4.23	4.09	3.59	3.23	3.228
Interest Coverage	1.96	1.78	2.01	1.98	2.19	2.67	2.87	3.00	2.69	2.28	2.07	2.65	2.03	2.15	2.05	1.46	1.61	1.69	1.59	1.70	1.705
Equity Multiplier	-2.06	-2.22	-2.51	-2.71	-3.24	-3.61	-4.22	-4.77	-5.15	-5.65	-6.60	-7.21	-8.00	-9.82	-11.84	-13.77	-15.86	-23.26	-27.58	-34.03	-34.025
Cash Ratio	snapshot only																				0.237
Debt Service Coverage	snapshot only																				2.474
Cash to Debt	snapshot only																				0.078
FCF to Debt	snapshot only																				0.278
Defensive Interval	snapshot only																				313.6 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	1.45	1.40	1.49	1.55	1.59	1.68	1.66	1.65	1.57	1.51	1.41	1.41	1.44	1.49	1.46	1.39	1.38	1.44	1.54	1.49	1.486
Inventory Turnover	6.74	5.64	4.85	4.64	4.78	4.75	4.36	4.06	4.11	4.18	3.72	3.56	3.57	4.34	4.05	3.94	3.96	5.15	5.60	5.52	5.524
Receivables Turnover	7.03	7.98	7.31	7.07	6.85	8.02	7.83	7.60	6.99	6.46	7.01	6.57	7.07	6.53	7.77	6.46	6.36	6.26	7.30	6.68	6.679
Payables Turnover	12.47	10.31	9.68	10.85	12.73	11.81	10.86	11.95	14.12	15.63	11.48	13.38	15.47	21.48	14.05	14.91	13.79	17.00	17.71	14.70	14.704
DSO	52	46	50	52	53	46	47	48	52	57	52	56	52	56	47	56	57	58	50	55	54.6 days
DIO	54	65	75	79	76	77	84	90	89	87	98	103	102	84	90	93	92	71	65	66	66.1 days
DPO	29	35	38	34	29	31	34	31	26	23	32	27	24	17	26	24	26	21	21	25	24.8 days
Cash Conversion Cycle	77	75	87	97	101	91	97	107	115	121	118	131	130	123	111	125	123	108	95	96	95.9 days
Fixed Asset Turnover	snapshot only																				4.432
Operating Cycle	snapshot only																				120.7 days
Cash Velocity	snapshot only																				27.485
Capital Intensity	snapshot only																				0.665

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	21.7%	20.2%	21.4%	19.6%	20.9%	26.8%	22.1%	16.6%	5.8%	-6.6%	-10.2%	-9.7%	-2.1%	8.1%	12.8%	14.3%	12.5%	13.1%	15.6%	16.9%	16.91%
Net Income	2.4%	-1.2%	16.4%	-10.5%	9.7%	1.3%	1.1%	1.1%	36.4%	-34.4%	-55.2%	-56.8%	-54.1%	-18.6%	1.5%	-26.0%	-7.2%	-23.4%	-35.1%	3.0%	2.97%
EPS	2.2%	-5.0%	15.6%	-10.2%	9.8%	1.3%	1.1%	1.1%	35.9%	-34.2%	-54.7%	-56.4%	-54.3%	-19.6%	-0.6%	-26.9%	-7.0%	-22.8%	-34.2%	2.7%	2.72%
FCF	50.0%	-31.9%	-1.6%	-2.1%	-1.1%	32.6%	6.5%	2.3%	15.3%	1.1%	-14.5%	-24.6%	-26.2%	23.2%	-13.3%	32.6%	16.1%	21.4%	89.6%	1.3%	1.28%
EBITDA	58.7%	26.2%	22.0%	2.6%	8.2%	35.2%	31.7%	37.5%	12.6%	-17.7%	-26.7%	-31.4%	-21.9%	-2.3%	6.6%	4.7%	2.7%	2.2%	-0.7%	9.4%	9.44%
Op. Income	1.1%	54.9%	22.6%	-0.9%	4.8%	33.1%	37.0%	42.8%	12.2%	-22.2%	-32.6%	-37.6%	-22.1%	2.0%	13.8%	9.0%	-8.5%	-12.7%	-17.6%	-5.4%	-5.40%
OCF Growth	snapshot only																				86.63%
Asset Growth	snapshot only																				-2.35%
Debt Growth	snapshot only																				-14.68%
Shares Change	snapshot only																				0.25%

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	13.2%	13.6%	14.1%	15.2%	17.3%	19.6%	19.4%	18.9%	15.9%	12.5%	10.0%	8.0%	7.8%	8.6%	7.3%	6.4%	5.2%	4.5%	5.4%	6.5%	6.45%
Revenue 5Y	1.8%	4.0%	7.4%	10.0%	13.1%	15.0%	15.5%	15.0%	13.2%	11.7%	10.2%	10.0%	10.8%	11.6%	11.5%	11.6%	11.4%	11.7%	11.7%	11.0%	10.96%
EPS 3Y	—	—	—	—	—	—	3.7%	5.5%	69.2%	12.6%	3.0%	-6.1%	-12.0%	6.5%	-2.0%	-12.3%	-16.7%	-25.8%	-33.3%	-31.1%	-31.11%
EPS 5Y	24.4%	23.5%	—	—	—	—	—	—	—	—	—	—	—	—	1.2%	1.5%	15.6%	-2.4%	-6.5%	-9.0%	-9.05%
Net Income 3Y	—	—	—	—	—	—	3.8%	5.7%	72.2%	14.1%	3.4%	-6.0%	-11.8%	7.0%	-1.2%	-11.8%	-16.6%	-25.8%	-33.4%	-31.0%	-30.95%
Net Income 5Y	25.9%	24.2%	—	—	—	—	—	—	—	—	—	—	—	—	1.2%	1.5%	16.8%	-1.5%	-6.1%	-8.7%	-8.75%
EBITDA 3Y	54.3%	45.2%	38.4%	29.3%	29.3%	31.7%	29.3%	34.5%	24.6%	12.0%	5.6%	-1.1%	-1.6%	2.8%	0.9%	-0.4%	-3.3%	-6.3%	-8.1%	-7.7%	-7.72%
EBITDA 5Y	5.7%	8.8%	19.2%	22.0%	33.3%	41.0%	42.0%	39.5%	35.0%	27.8%	20.7%	15.3%	13.7%	12.9%	11.0%	11.8%	9.2%	7.0%	4.5%	2.1%	2.09%
Gross Profit 3Y	22.9%	21.6%	19.2%	19.0%	20.8%	24.4%	23.5%	23.2%	18.2%	11.8%	7.9%	4.4%	4.5%	6.3%	5.5%	4.2%	1.1%	-1.1%	-1.1%	0.4%	0.38%
Gross Profit 5Y	4.6%	6.8%	10.4%	12.5%	17.0%	19.9%	21.0%	20.0%	17.1%	14.4%	12.0%	11.6%	12.3%	13.2%	12.3%	11.8%	10.2%	9.0%	7.6%	6.2%	6.24%
Op. Income 3Y	—	1.3%	78.3%	48.6%	46.2%	46.2%	40.9%	51.7%	35.1%	17.1%	4.3%	-4.0%	-2.9%	1.8%	1.7%	-1.0%	-7.2%	-11.5%	-14.1%	-13.7%	-13.67%
Op. Income 5Y	9.5%	15.5%	34.6%	43.5%	1.2%	—	—	—	—	68.1%	39.3%	24.0%	22.3%	19.9%	16.5%	18.9%	11.9%	7.4%	1.2%	-1.9%	-1.85%
FCF 3Y	—	—	—	—	—	—	40.3%	38.3%	39.9%	22.8%	44.6%	2.3%	10.4%	49.7%	—	—	—	45.3%	12.0%	31.7%	31.69%
FCF 5Y	-4.3%	-26.0%	—	—	—	—	1.1%	56.1%	—	—	—	—	77.4%	—	15.4%	21.5%	18.6%	22.6%	37.8%	26.5%	26.54%
OCF 3Y	79.0%	79.1%	—	—	49.0%	1.2%	50.7%	46.6%	37.7%	15.6%	22.5%	-5.3%	2.6%	28.9%	1.1%	—	38.8%	23.8%	6.9%	22.6%	22.57%
OCF 5Y	-7.7%	-19.5%	-35.9%	—	5.6%	66.8%	57.8%	43.5%	55.6%	57.4%	—	40.5%	40.1%	72.4%	19.9%	25.5%	23.8%	22.0%	28.9%	22.9%	22.87%
Assets 3Y	6.8%	9.0%	11.6%	11.3%	12.6%	11.7%	7.9%	6.8%	4.8%	3.3%	9.1%	9.0%	10.7%	9.3%	7.2%	11.3%	10.1%	10.8%	9.0%	9.2%	9.17%
Assets 5Y	-1.4%	0.3%	1.8%	2.5%	3.9%	4.9%	5.4%	6.8%	7.1%	7.2%	9.2%	8.9%	9.9%	10.4%	8.2%	10.2%	9.9%	8.7%	9.4%	9.5%	9.47%
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

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	0.05	0.29	0.65	0.80	0.88	0.88	0.92	0.95	0.95	0.88	0.84	0.85	0.90	0.86	0.82	0.81	0.87	0.85	0.83	0.84	0.838
Earnings Stability	0.15	0.25	0.49	0.59	0.68	0.85	0.91	0.95	0.89	0.77	0.67	0.62	0.53	0.43	0.24	0.09	0.02	0.00	0.06	0.17	0.173
Margin Stability	0.91	0.92	0.93	0.92	0.91	0.91	0.91	0.90	0.91	0.92	0.94	0.93	0.94	0.95	0.96	0.96	0.95	0.94	0.93	0.92	0.916
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	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	1.00	0.00	1.00	0.00	1.00	0.50	1.00	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.50	0.500
FCF Positive Streak	1	1	0	0	0	1	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.93	0.96	0.96	0.50	0.50	0.50	0.85	0.86	0.50	0.50	0.50	0.93	0.99	0.90	0.97	0.91	0.86	0.99	0.988
Earnings Smoothness	0.00	0.99	0.85	0.89	0.91	0.21	0.28	0.27	0.69	0.59	0.24	0.21	0.26	0.79	0.99	0.70	0.93	0.73	0.57	0.97	0.971
ROE Trend	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Margin Trend	0.05	0.04	0.01	-0.00	-0.00	0.00	0.00	-0.00	-0.02	-0.03	-0.02	-0.01	-0.01	-0.00	-0.01	-0.02	-0.04	-0.04	-0.04	-0.03	-0.031
FCF Margin Trend	0.03	0.01	-0.06	-0.12	-0.05	-0.01	0.07	0.07	0.05	0.03	0.04	0.05	0.02	0.03	-0.02	0.00	-0.01	0.01	0.03	0.07	0.068
Sustainable Growth Rate	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Internal Growth Rate	9.8%	6.3%	7.9%	7.8%	9.7%	14.9%	16.5%	16.5%	12.7%	8.8%	6.4%	6.2%	5.1%	6.5%	5.9%	3.8%	4.0%	4.1%	3.4%	3.6%	3.61%

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	1.17	1.27	0.21	-0.55	0.70	0.86	1.34	1.19	1.24	1.42	1.88	1.54	1.84	2.22	2.13	3.68	3.24	3.98	5.52	6.67	6.668
FCF/OCF	0.67	0.50	-1.60	2.36	-0.13	0.43	0.66	0.67	0.77	0.81	0.89	0.91	0.84	0.79	0.67	0.68	0.60	0.69	0.76	0.83	0.835
FCF/Net Income	snapshot only																				5.566
OCF/EBITDA	snapshot only																				1.167
CapEx/Revenue	2.3%	2.7%	2.7%	3.5%	4.4%	3.8%	3.9%	3.3%	2.0%	1.4%	0.9%	0.6%	1.0%	1.9%	2.7%	3.1%	3.7%	3.3%	2.9%	2.6%	2.58%
CapEx/Depreciation	snapshot only																				0.620
Accruals Ratio	-0.02	-0.02	0.06	0.11	0.03	0.02	-0.05	-0.03	-0.03	-0.03	-0.05	-0.03	-0.04	-0.07	-0.06	-0.10	-0.09	-0.12	-0.15	-0.20	-0.197
Sloan Accruals	snapshot only																				-0.131
Cash Flow Adequacy	snapshot only																				6.049
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	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
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	$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%	0.0%	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%	0.0%	0.0%	0.00%
Total Payout Ratio	0.2%	0.2%	0.2%	0.2%	0.0%	0.0%	0.0%	0.0%	1.0%	2.4%	9.8%	39.1%	57.7%	44.5%	39.4%	20.5%	6.7%	6.4%	7.8%	3.1%	3.08%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.3%	0.9%	2.2%	2.7%	2.4%	2.1%	1.0%	0.5%	0.6%	0.6%	0.2%	0.17%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.3%	0.9%	2.2%	2.7%	2.4%	2.1%	1.0%	0.5%	0.6%	0.6%	0.2%	0.17%
Total Shareholder Return	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.3%	0.9%	2.2%	2.7%	2.4%	2.1%	1.0%	0.5%	0.6%	0.6%	0.2%	0.17%

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)	0.80	0.67	0.66	0.67	0.70	0.74	0.78	0.75	0.73	0.70	0.65	0.69	0.75	0.78	0.79	0.79	0.73	0.69	0.66	0.64	0.636
Interest Burden (EBT/EBIT)	0.49	0.44	0.50	0.49	0.54	0.62	0.65	0.66	0.62	0.56	0.52	0.50	0.38	0.42	0.40	0.31	0.38	0.39	0.36	0.40	0.399
EBIT Margin	0.16	0.15	0.15	0.14	0.15	0.17	0.17	0.17	0.16	0.14	0.13	0.12	0.12	0.12	0.12	0.11	0.10	0.10	0.09	0.09	0.092
Asset Turnover	1.45	1.40	1.49	1.55	1.59	1.68	1.66	1.65	1.57	1.51	1.41	1.41	1.44	1.49	1.46	1.39	1.38	1.44	1.54	1.49	1.486
Equity Multiplier	-1.89	-2.06	-2.13	-2.28	-2.57	-2.78	-3.16	-3.47	-3.96	-4.41	-5.19	-5.78	-6.38	-7.35	-8.59	-9.80	-10.95	-14.22	-16.89	-19.51	-19.511

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)	$1.91	$1.35	$1.67	$1.66	$2.10	$3.10	$3.48	$3.52	$2.85	$2.04	$1.58	$1.53	$1.30	$1.64	$1.57	$1.12	$1.21	$1.26	$1.03	$1.15	$1.15
Book Value/Share	$-10.38	$-10.27	$-9.73	$-9.13	$-8.00	$-6.95	$-5.94	$-5.30	$-4.80	$-4.41	$-4.12	$-3.78	$-3.60	$-2.99	$-2.47	$-2.43	$-2.16	$-1.47	$-1.18	$-0.96	$-1.00
Tangible Book/Share	$-16.31	$-16.13	$-15.54	$-14.85	$-13.60	$-12.47	$-11.33	$-10.62	$-10.06	$-9.61	$-9.24	$-8.83	$-8.53	$-7.82	$-7.20	$-8.23	$-8.10	$-7.16	$-6.77	$-7.02	$-7.02
Revenue/Share	$31.02	$31.85	$33.92	$35.62	$37.54	$40.30	$40.77	$40.99	$39.58	$37.73	$37.01	$37.32	$38.61	$40.30	$40.92	$42.12	$43.50	$45.95	$47.89	$49.12	$51.19
FCF/Share	$1.50	$0.86	$-0.56	$-2.15	$-0.19	$1.14	$3.06	$2.82	$2.74	$2.35	$2.65	$2.15	$2.01	$2.86	$2.25	$2.81	$2.34	$3.49	$4.32	$6.40	$6.67
OCF/Share	$2.23	$1.72	$0.35	$-0.91	$1.48	$2.65	$4.65	$4.19	$3.54	$2.89	$2.97	$2.36	$2.39	$3.63	$3.33	$4.12	$3.93	$5.03	$5.70	$7.67	$7.99
Cash/Share	$1.77	$1.76	$1.04	$0.77	$1.82	$0.93	$1.19	$0.94	$0.89	$1.05	$1.46	$0.64	$1.23	$2.81	$2.62	$1.44	$1.35	$1.83	$1.63	$1.79	$1.86
EBITDA/Share	$6.24	$5.90	$6.29	$6.21	$6.76	$7.96	$8.16	$8.42	$7.59	$6.57	$6.05	$5.82	$5.91	$6.34	$6.32	$6.02	$6.07	$6.53	$6.35	$6.57	$6.57
Debt/Share	$26.00	$26.13	$27.26	$26.83	$26.77	$24.67	$24.54	$24.45	$23.62	$23.11	$23.16	$23.52	$24.30	$24.27	$24.19	$27.04	$27.06	$28.53	$24.44	$23.01	$23.01
Net Debt/Share	$24.23	$24.37	$26.23	$26.06	$24.94	$23.73	$23.35	$23.50	$22.73	$22.06	$21.70	$22.89	$23.06	$21.46	$21.56	$25.61	$25.71	$26.69	$22.81	$21.23	$21.23

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-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.463
Altman Z-Prime	snapshot only																				3.970
Piotroski F-Score	7	5	5	5	7	7	8	7	7	6	6	6	5	5	6	5	6	5	6	7	7
Beneish M-Score	-2.56	-2.55	-2.10	-1.72	-2.23	-2.17	-2.67	-2.58	-2.68	-2.70	-2.83	-2.59	-2.48	-2.59	-2.61	-2.67	-2.58	-2.79	-2.90	-3.53	-3.527
Ohlson O-Score	snapshot only																				-5.716
Net-Net WC	snapshot only																				$-17.87
EVA	snapshot only																				$11235505.73

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				B-
Credit Score	20.00	19.06	19.51	18.98	20.00	20.00	20.00	20.00	20.00	20.00	20.00	20.00	20.00	20.00	47.67	42.38	39.99	45.04	20.00	20.00	20.000
Credit Grade	snapshot only																				16
Credit Trend	snapshot only																				-22.375
Implied Spread (bps)	snapshot only																				900.000
Industry Credit Rank	snapshot only																				24
Sector Credit Rank	snapshot only																				32

PMTS NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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