— Know what they know.
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Not Investment Advice
Also trades as: PMTS.TO (TSX) · $vol 0M

PMTS NASDAQ

CPI Card Group Inc.
1W: -1.4% 1M: -10.6% 3M: +32.6% YTD: +11.9% 1Y: -24.9% 3Y: -39.9% 5Y: -6.4%
$17.18
+1.27 (+7.98%)
 
Weekly Expected Move ±7.5%
$14 $16 $17 $18 $19
NASDAQ · Financial Services · Financial - Credit Services · Alpha Radar Neutral · Power 43 · $197.2M mcap · 6M float · 1.04% daily turnover · Short 62% of daily vol
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.

NO EDGE
35.1 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 11.6%
Cost Advantage ★
55
Intangibles
14
Switching Cost
41
Network Effect
24
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. PMTS has No discernible competitive edge (35.1/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 11.6% 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
$25
Low
$26
Avg Target
$27
High
Based on 2 analysts since May 5, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 6Hold: 3Sell: 2Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$26.00
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
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.

B-
May 22, 2026
DCF
4
ROE
1
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. PMTS receives an overall rating of B-. Strongest factors: DCF (4/5), ROA (5/5). Areas of concern: ROE (1/5), D/E (1/5), P/E (2/5), P/B (1/5).
Rating Change History
DateFromTo
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+
2026-02-24 C+ B-
2026-02-06 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.

★ ★ ★ ★ ★ 48 Grade C
Profitability
18
Balance Sheet
30
Earnings Quality
54
Growth
45
Value
55
Momentum
64
Safety
65
Cash Flow
65
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 Safety (65/100) and lowest in Profitability (18/100). 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
2.90
Grey Zone
Piotroski F-Score
6/9
✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗ ✓
Beneish M-Score
-2.92
Unlikely Manipulator
Ohlson O-Score
-5.47
Bankruptcy prob: 0.4%
Low Risk
Credit Rating
B-
Score: 20.0/100
Trend: Stable
Earnings Quality
75/100
OCF/NI: 5.52x
Accruals: -14.7%
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 2.90, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. 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 6/9, 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. PMTS's score of -2.92 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 0.4% 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 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). 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
16.09x
PEG
-0.44x
P/S
0.35x
P/B
-14.05x
P/FCF
3.36x
P/OCF
2.55x
EV/EBITDA
6.48x
EV/Revenue
0.86x
EV/EBIT
9.43x
EV/FCF
9.53x
Earnings Yield
7.11%
FCF Yield
29.74%
Shareholder Yield
0.56%
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 16.1x earnings, PMTS trades at a reasonable valuation. An earnings yield of 7.1% 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
0.660
NI / EBT
×
Interest Burden
0.358
EBT / EBIT
×
EBIT Margin
0.091
EBIT / Rev
×
Asset Turnover
1.509
Rev / Assets
×
Equity Multiplier
-14.217
Assets / Equity
=
ROE
-46.2%
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. PMTS's ROE of -46.2% is driven by Asset Turnover (1.509), 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.

Adj. Growth Rate
0.00%
Fair P/E
8.50x
Intrinsic Value
$8.77
Price/Value
1.65x
Margin of Safety
-65.48%
Premium
65.48%
Assessment
Overvalued
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 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. PMTS trades at a 65% premium to its adjusted intrinsic value of $8.77, 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 16.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$17.18
Median 1Y
$15.01
5th Pctile
$3.78
95th Pctile
$59.43
Ann. Volatility
84.8%
Analyst Target
$26.00
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

ExecutiveSalaryStockTotal
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 Trend Q2'21 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 Current
ROE -14.9% -15.4% -12.3% -15.1% -15.0% -19.1% -36.0% -40.8% -41.1% -33.2% -35.8% -27.7% -26.9% -23.1% -44.6% -43.0% -30.5% -32.8% -56.5% -46.2% -46.20%
ROA 9.1% 9.4% 6.0% 7.3% 7.3% 9.3% 12.9% 14.7% 14.8% 11.9% 8.1% 6.3% 6.1% 5.2% 6.1% 5.9% 4.2% 4.5% 4.0% 3.2% 3.25%
ROIC 34.3% 34.5% 24.0% 23.6% 23.9% 27.6% 29.7% 32.2% 31.8% 27.3% 20.6% 17.3% 17.5% 20.7% 22.2% 22.5% 20.6% 17.3% 12.7% 11.6% 11.58%
ROCE 26.0% 27.6% 26.8% 29.1% 28.8% 32.1% 34.6% 35.9% 36.9% 32.4% 25.2% 22.5% 21.5% 22.0% 21.6% 21.6% 19.6% 18.9% 17.2% 16.2% 16.21%
Gross Margin 39.8% 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% 29.99%
Operating Margin 16.9% 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% 7.47%
Net Margin 6.7% 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% 1.40%
EBITDA Margin 21.0% 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% 11.15%
FCF Margin 6.8% 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% 9.01%
OCF Margin 9.4% 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% 11.90%
ROA 3Y Avg snapshot only 4.91%
ROIC 3Y Avg snapshot only 7.21%
ROIC Economic snapshot only 11.19%
Cash ROA snapshot only 16.76%
Cash ROIC snapshot only 22.64%
CROIC snapshot only 17.15%
NOPAT Margin snapshot only 6.09%
Pretax Margin snapshot only 3.26%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 20.93%
SBC / Revenue snapshot only 0.67%
Valuation
Metric Trend Q2'21 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 Current
P/E Ratio 10.41 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 16.092
P/S Ratio 0.65 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 0.347
P/B Ratio -1.64 -2.97 -1.81 -1.40 -1.63 -1.54 -5.19 -6.53 -3.36 -2.67 -4.35 -4.05 -6.18 -6.36 -10.01 -9.83 -7.94 -5.04 -10.02 -9.93 -14.050
P/FCF 9.59 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 3.362
P/OCF 6.91 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 2.547
EV/EBITDA 7.19 9.41 7.27 6.20 6.65 5.93 7.51 8.40 5.56 5.56 6.28 6.60 8.47 8.42 8.10 7.99 7.50 6.05 6.33 6.48 6.475
EV/Revenue 1.46 1.89 1.35 1.15 1.16 1.07 1.48 1.68 1.14 1.07 1.09 1.08 1.32 1.29 1.27 1.23 1.07 0.84 0.90 0.86 0.859
EV/EBIT 9.36 12.02 9.29 7.71 8.27 7.25 8.92 9.95 6.58 6.75 7.91 8.54 11.07 10.97 10.35 10.24 10.03 8.38 8.93 9.43 9.433
EV/FCF 21.61 39.05 49.78 -69.45 -19.19 -209.23 52.43 22.39 16.59 15.42 17.59 15.10 22.98 24.70 17.98 22.46 16.08 15.70 11.84 9.53 9.533
Earnings Yield 9.6% 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% 7.11%
FCF Yield 10.4% 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% 29.74%
EV/OCF snapshot only 7.221
EV/Gross Profit snapshot only 2.811
Acquirers Multiple snapshot only 9.430
Shareholder Yield snapshot only 0.56%
Leverage & Solvency
Metric Trend Q2'21 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 Current
Current Ratio 2.68 2.68 2.25 2.25 2.25 2.25 2.46 2.46 2.46 2.46 3.34 3.34 3.34 3.34 2.69 2.69 2.69 2.69 2.44 2.44 2.437
Quick Ratio 2.24 2.24 1.35 1.35 1.35 1.35 1.46 1.46 1.46 1.46 1.92 1.92 1.92 1.92 1.72 1.72 1.72 1.72 1.58 1.58 1.578
Debt/Equity -2.47 -2.47 -2.54 -2.54 -2.54 -2.54 -3.55 -3.55 -3.55 -3.55 -5.24 -5.24 -5.24 -5.24 -8.13 -8.13 -8.13 -8.13 -19.47 -19.47 -19.470
Net Debt/Equity — — — — — — — — — — — — — — — — — — — — —
Debt/Assets 1.28 1.28 1.15 1.15 1.15 1.15 0.98 0.98 0.98 0.98 0.93 0.93 0.93 0.93 0.83 0.83 0.83 0.83 0.84 0.84 0.837
Debt/EBITDA 4.81 4.63 4.43 4.17 4.23 3.86 3.10 3.00 2.91 3.24 3.52 3.83 3.97 3.88 3.83 3.82 4.03 4.02 4.37 4.48 4.479
Net Debt/EBITDA 4.00 3.85 4.13 3.89 3.95 3.60 2.98 2.89 2.80 3.12 3.36 3.65 3.79 3.71 3.38 3.37 3.56 3.55 4.09 4.19 4.191
Interest Coverage 1.91 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 1.594
Equity Multiplier -1.93 -1.93 -2.22 -2.22 -2.22 -2.22 -3.61 -3.61 -3.61 -3.61 -5.65 -5.65 -5.65 -5.65 -9.82 -9.82 -9.82 -9.82 -23.26 -23.26 -23.261
Cash Ratio snapshot only 0.258
Debt Service Coverage snapshot only 2.323
Cash to Debt snapshot only 0.064
FCF to Debt snapshot only 0.152
Defensive Interval snapshot only 351.0 days
Efficiency & Turnover
Metric Trend Q2'21 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 Current
Asset Turnover 1.46 1.53 1.40 1.49 1.56 1.66 1.68 1.72 1.72 1.66 1.51 1.48 1.49 1.55 1.49 1.53 1.56 1.60 1.44 1.51 1.509
Inventory Turnover 9.55 9.98 5.64 6.10 6.50 6.84 4.75 4.83 4.86 4.76 4.18 4.09 4.13 4.27 4.34 4.48 4.67 4.90 5.15 5.44 5.443
Receivables Turnover 8.45 8.86 7.98 8.46 8.89 9.42 8.02 8.18 8.21 7.89 6.46 6.33 6.38 6.66 6.53 6.67 6.82 7.00 6.26 6.54 6.538
Payables Turnover 12.15 12.70 10.31 11.14 11.87 12.50 11.81 12.03 12.08 11.83 15.63 15.30 15.43 15.98 21.48 22.20 23.11 24.28 17.00 17.96 17.956
DSO 43 41 46 43 41 39 46 45 44 46 57 58 57 55 56 55 54 52 58 56 55.8 days
DIO 38 37 65 60 56 53 77 75 75 77 87 89 88 85 84 81 78 74 71 67 67.1 days
DPO 30 29 35 33 31 29 31 30 30 31 23 24 24 23 17 16 16 15 21 20 20.3 days
Cash Conversion Cycle 51 49 75 70 66 63 91 90 89 92 121 123 122 117 123 120 116 112 108 103 102.6 days
Fixed Asset Turnover snapshot only 5.237
Operating Cycle snapshot only 122.9 days
Cash Velocity snapshot only 26.170
Capital Intensity snapshot only 0.710
Growth (YoY)
Metric Trend Q2'21 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 Current
Revenue 20.5% 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% 15.56%
Net Income 153.2% 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% -35.07%
EPS 146.2% 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% -34.25%
FCF 86.2% 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% 89.60%
EBITDA 72.5% 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% -0.70%
Op. Income 1.5% 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% -17.56%
OCF Growth snapshot only 68.72%
Asset Growth snapshot only 15.31%
Debt Growth snapshot only 16.58%
Shares Change snapshot only -1.26%
Growth (CAGR)
Metric Trend Q2'21 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 Current
Revenue 3Y 13.0% 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% 5.39%
Revenue 5Y 6.6% 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% 11.65%
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% -33.32%
EPS 5Y 46.4% 24.4% 23.5% — — — — — — — — — — — — 1.2% 1.5% 15.6% -2.4% -6.5% -6.48%
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% -33.40%
Net Income 5Y 47.7% 25.9% 24.2% — — — — — — — — — — — — 1.2% 1.5% 16.8% -1.5% -6.1% -6.13%
EBITDA 3Y 55.2% 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% -8.11%
EBITDA 5Y 12.2% 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% 4.51%
Gross Profit 3Y 22.9% 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% -1.14%
Gross Profit 5Y 9.9% 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% 7.59%
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% -14.15%
Op. Income 5Y 16.1% 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% 1.23%
FCF 3Y 86.8% — — — — — — 40.3% 38.3% 39.9% 22.8% 44.6% 2.3% 10.4% 49.7% — — — 45.3% 12.0% 11.98%
FCF 5Y 2.5% -4.3% -26.0% — — — — 1.1% 56.1% — — — — 77.4% — 15.4% 21.5% 18.6% 22.6% 37.8% 37.79%
OCF 3Y 58.8% 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% 6.90%
OCF 5Y 0.1% -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% 28.91%
Assets 3Y 4.4% 4.4% 9.0% 9.0% 9.0% 9.0% 11.7% 11.7% 11.7% 11.7% 3.3% 3.3% 3.3% 3.3% 9.3% 9.3% 9.3% 9.3% 10.8% 10.8% 10.77%
Assets 5Y -1.0% -1.0% 0.3% 0.3% 0.3% 0.3% 4.9% 4.9% 4.9% 4.9% 7.2% 7.2% 7.2% 7.2% 10.4% 10.4% 10.4% 10.4% 8.7% 8.7% 8.66%
Equity 3Y — — — — — — — — — — — — — — — — — — — — —
Book Value 3Y — — — — — — — — — — — — — — — — — — — — —
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend Q2'21 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 Current
Revenue Stability 0.68 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 0.830
Earnings Stability 0.13 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 0.062
Margin Stability 0.91 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 0.925
Rev. Growth Consistency 1.00 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 1.000
Earn. Growth Consistency 1.00 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 0.000
FCF Positive Streak 1 1 1 0 0 0 1 0 0 0 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.50 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 0.860
Earnings Smoothness 0.00 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 0.575
ROE Trend — — — — — — — — — — — — — — — — — — — — —
Gross Margin Trend 0.06 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 -0.041
FCF Margin Trend 0.05 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 0.027
Sustainable Growth Rate — — — — — — — — — — — — — — — — — — — — —
Internal Growth Rate 10.0% 10.4% 6.3% 7.9% 7.9% 10.2% 14.9% 17.2% 17.4% 13.6% 8.8% 6.7% 6.5% 5.5% 6.5% 6.2% 4.3% 4.7% 4.1% 3.4% 3.36%
Cash Flow Quality
Metric Trend Q2'21 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 Current
OCF/Net Income 1.51 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 5.523
FCF/OCF 0.72 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 0.757
FCF/Net Income snapshot only 4.183
OCF/EBITDA snapshot only 0.897
CapEx/Revenue 2.6% 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% 2.89%
CapEx/Depreciation snapshot only 0.694
Accruals Ratio -0.05 -0.02 -0.02 0.06 0.11 0.03 0.02 -0.05 -0.03 -0.03 -0.03 -0.06 -0.03 -0.04 -0.07 -0.07 -0.11 -0.10 -0.12 -0.15 -0.147
Sloan Accruals snapshot only -0.080
Cash Flow Adequacy snapshot only 4.122
Earnings Quality Score snapshot only 0.750
Dividends & Buybacks
Metric Trend Q2'21 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 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 0.0% 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% 7.84%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 0.0% 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% 0.56%
Net Buyback Yield 0.0% 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% 0.56%
Total Shareholder Return 0.0% 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% 0.56%
DuPont Factors
Metric Trend Q2'21 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 Current
Tax Burden (NI/EBT) 0.84 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 0.660
Interest Burden (EBT/EBIT) 0.48 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 0.358
EBIT Margin 0.16 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 0.091
Asset Turnover 1.46 1.53 1.40 1.49 1.56 1.66 1.68 1.72 1.72 1.66 1.51 1.48 1.49 1.55 1.49 1.53 1.56 1.60 1.44 1.51 1.509
Equity Multiplier -1.64 -1.64 -2.06 -2.06 -2.06 -2.06 -2.78 -2.78 -2.78 -2.78 -4.41 -4.41 -4.41 -4.41 -7.35 -7.35 -7.35 -7.35 -14.22 -14.22 -14.217
Per Share
Metric Trend Q2'21 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 Current
EPS (Diluted TTM) $1.85 $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 $1.03
Book Value/Share $-11.74 $-11.70 $-10.27 $-10.33 $-10.32 $-10.27 $-6.95 $-6.90 $-6.91 $-6.94 $-4.41 $-4.41 $-4.41 $-4.37 $-2.99 $-2.97 $-2.99 $-3.01 $-1.47 $-1.46 $-1.22
Tangible Book/Share $-17.97 $-17.92 $-16.13 $-16.22 $-16.21 $-16.12 $-12.47 $-12.37 $-12.40 $-12.45 $-9.61 $-9.62 $-9.61 $-9.54 $-7.82 $-7.77 $-7.82 $-7.87 $-7.16 $-7.14 $-7.14
Revenue/Share $29.68 $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 $49.56
FCF/Share $2.01 $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 $4.47
OCF/Share $2.78 $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 $5.90
Cash/Share $4.90 $4.88 $1.76 $1.77 $1.76 $1.75 $0.93 $0.93 $0.93 $0.93 $1.05 $1.05 $1.05 $1.05 $2.81 $2.79 $2.81 $2.83 $1.83 $1.83 $1.68
EBITDA/Share $6.03 $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 $6.35
Debt/Share $29.00 $28.91 $26.13 $26.26 $26.25 $26.10 $24.67 $24.47 $24.52 $24.62 $23.11 $23.14 $23.12 $22.94 $24.27 $24.11 $24.27 $24.42 $28.53 $28.46 $28.46
Net Debt/Share $24.10 $24.03 $24.37 $24.50 $24.49 $24.35 $23.73 $23.54 $23.59 $23.69 $22.06 $22.08 $22.07 $21.89 $21.46 $21.31 $21.46 $21.59 $26.69 $26.63 $26.63
Academic Models
Metric Trend Q2'21 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 Current
Altman-B Score — — — — — — — — — — — — — — — — — — — — 2.905
Altman Z-Prime snapshot only 3.943
Piotroski F-Score 8 8 5 5 4 7 7 8 7 7 5 6 6 5 5 5 5 6 6 6 6
Beneish M-Score -2.46 -2.28 -2.55 -2.13 -1.90 -2.36 -2.17 -2.46 -2.33 -2.21 -2.70 -2.92 -2.78 -2.79 -2.59 -2.51 -2.69 -2.60 -2.79 -2.92 -2.924
Ohlson O-Score snapshot only -5.468
Net-Net WC snapshot only $-18.18
EVA snapshot only $4724024.45
Credit
Metric Trend Q2'21 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 Current
Credit Rating snapshot only B-
Credit Score 20.00 20.00 19.38 18.72 18.27 19.03 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 46.09 20.00 20.000
Credit Grade snapshot only 16
Credit Trend snapshot only 0.000
Implied Spread (bps) snapshot only 900.000
Industry Credit Rank snapshot only 23
Sector Credit Rank snapshot only 27

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