$41.67

-0.90 (-2.11%)

After Hours: $43.17 (+1.50, +3.60%)

Weekly Expected Move ±4.4%

$38 $40 $42 $44 $46

NASDAQ · Healthcare · Medical - Care Facilities · Tech Score Buy · Power 65 · $1.5B mcap · 33M float · 0.967% daily turnover · Short 71% of daily vol

Credit Risk of going bust: lower than 71% of companies Debt: 24.9% of company value Bonds: none of note held by US funds details ▾

Of US companies ranked in the safest four tenths, about 1 in 3,500 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.46 (down 99%), The Pennant Group, Inc. would be worth roughly what it owes.
Total debt $493.9M against a stock market value of $1.49B.
Distance to default 7.81 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $101.2M (short-term plus half of long-term), stock volatility 37.3%; Altman Z'' 1.48. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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

40.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 5.5% · 5Y Avg: 3.2%

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. PNTG shows a Weak competitive edge (40.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 5.5% 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

$44

Low

$45

Avg Target

$46

High

Based on 2 analysts since Aug 5, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 6Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$45.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-08-20	RBC Capital	Ben Hendrix	$39	$44	+5	+11.7%	$39.41
2026-08-11	Wells Fargo	—	$45	$46	+1	+16.0%	$39.64
2026-07-14	Truist Financial	David MacDonald	$34	$48	+14	+20.4%	$39.86
2026-07-13	Wells Fargo	—	$38	$45	+7	+11.1%	$40.50
2026-05-08	Oppenheimer	—	Initiated	$40	—	+11.1%	$36.00
2026-01-07	Wells Fargo	Stephen Baxter	Initiated	$38	—	+32.9%	$28.59
2025-12-16	Jefferies	—	Initiated	$40	—	+32.3%	$30.23
2025-11-17	RBC Capital	—	$38	$39	+1	+56.6%	$24.90
2024-10-23	RBC Capital	Frank Morgan	$26	$38	+12	+14.0%	$33.34
2024-08-15	Truist Financial	David MacDonald	$25	$34	+9	+12.1%	$30.33
2024-08-08	Stephens	Scott Fidel	$18	$32	+14	+14.0%	$28.07
2024-05-15	Truist Financial	David MacDonald	$12	$25	+13	+12.6%	$22.21
2024-05-09	RBC Capital	Frank Morgan	Initiated	$26	—	+17.4%	$22.14
2024-01-05	Stephens	Scott Fidel	Initiated	$18	—	+17.3%	$15.35
2022-07-26	Truist Financial	David MacDonald	Initiated	$12	—	-10.6%	$13.43

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.

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. PNTG receives an overall rating of C. Areas of concern: DCF (1/5), D/E (1/5), P/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-26	C+	C
2026-08-10	C	C+
2026-08-06	C+	C
2026-05-14	B-	C+
2026-05-11	C+	B-
2026-05-06	B-	C+
2026-05-06	C+	B-
2026-04-22	B-	C+
2026-04-01	C+	B-
2026-03-12	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.

★ ★ ★ ★ ★ 51 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. PNTG scores highest in Momentum (97/100) and lowest in Profitability (21/100). 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 Z-Score

2.67

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✗ ✗ ✗ ✓ ✓

Beneish M-Score

-2.06

Unlikely Manipulator

Ohlson O-Score

-6.35

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

BBB+

Score: 60.7/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.65x

Accruals: -2.3%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. PNTG scores 2.67, placing it in the Grey Zone (safe > 2.99, distress < 1.81). 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. PNTG 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. PNTG's score of -2.06 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. PNTG's implied 0.2% 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. PNTG receives an estimated rating of BBB+ (score: 60.7/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). PNTG's score of 100/100 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

44.08x

PEG

2.75x

P/S

1.31x

P/B

4.02x

P/FCF

51.12x

P/OCF

24.92x

EV/EBITDA

27.67x

EV/Revenue

1.64x

EV/EBIT

32.77x

EV/FCF

69.54x

Earnings Yield

2.43%

FCF Yield

1.96%

Shareholder Yield

0.00%

Graham Number

$14.21

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 44.1x earnings, PNTG is priced for high growth expectations. Graham's intrinsic value formula yields $14.21 per share, 200% 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

0.614

NI / EBT

Interest Burden

0.954

EBT / EBIT

EBIT Margin

0.050

EBIT / Rev

Asset Turnover

1.232

Rev / Assets

Equity Multiplier

2.660

Assets / Equity

ROE

9.6%

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. PNTG's ROE of 9.6% is driven by Asset Turnover (1.232), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$34.60

Price/Value

1.07x

Margin of Safety

-6.78%

Premium

6.78%

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 PNTG's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. PNTG actually compounded EPS at 28.0% 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. PNTG trades at a 7% premium to its adjusted intrinsic value of $34.60, 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 44.1x.

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 1753 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$41.67

Median 1Y

$40.10

5th Pctile

$14.65

95th Pctile

$108.94

Ann. Volatility

61.6%

Analyst Target

$45.00

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
Brent J. Guerisoli Chief Executive Officer	$444,711	$662,117	$3,739,476
John J. Gochnour President and Chief Operating Officer	$369,711	$613,016	$3,391,672
Lynette B. Walbom Chief Financial Officer	$338,654	$471,922	$2,660,428
Jason P. Steik Chief Clinical Officer	$283,654	$—	$1,833,286
Kirk S. Cheney EVP, General Counsel and Corporate Secretary	$285,865	$134,886	$1,802,727

CEO Pay Ratio

510:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,739,476

Avg Employee Cost (SGA/emp): $7,328

Employees: 9,700

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

9,700

+38.6% YoY

Revenue / Employee

$97,702

Rev: $947,705,000

Profit / Employee

$3,049

NI: $29,578,000

SGA / Employee

$7,328

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	8.9%	2.6%	2.6%	-2.3%	0.9%	5.7%	6.3%	10.7%	10.0%	10.2%	12.1%	13.6%	13.9%	10.4%	11.3%	11.4%	10.9%	9.5%	9.3%	9.6%	9.61%
ROA	1.8%	0.5%	0.5%	-0.5%	0.2%	1.3%	1.5%	2.6%	2.4%	2.5%	3.0%	3.5%	3.6%	3.7%	3.8%	4.0%	3.8%	3.6%	3.6%	3.6%	3.61%
ROIC	2.2%	0.8%	0.9%	-0.2%	1.1%	2.3%	2.6%	3.9%	3.8%	3.9%	4.3%	4.9%	5.2%	5.5%	5.2%	5.6%	5.3%	5.1%	5.4%	5.5%	5.55%
ROCE	2.4%	1.0%	1.2%	-0.3%	1.0%	2.9%	3.3%	5.4%	5.3%	5.4%	5.9%	6.4%	6.6%	6.6%	6.5%	6.9%	6.8%	6.4%	6.1%	6.2%	6.23%
Gross Margin	10.7%	7.3%	11.9%	12.5%	12.1%	13.0%	11.3%	12.3%	12.7%	12.8%	13.1%	13.6%	14.0%	13.2%	14.0%	13.8%	20.2%	12.9%	13.1%	14.1%	14.07%
Operating Margin	1.5%	-2.0%	2.0%	-2.7%	6.0%	5.1%	3.4%	4.7%	5.0%	5.2%	5.4%	5.7%	6.0%	4.9%	6.0%	5.3%	4.5%	6.2%	6.3%	5.8%	5.77%
Net Margin	1.1%	-1.9%	0.9%	-2.3%	4.1%	2.8%	1.5%	2.1%	3.1%	3.0%	3.1%	3.4%	3.4%	3.0%	3.7%	3.2%	2.7%	3.0%	3.0%	3.0%	3.05%
EBITDA Margin	2.6%	-0.8%	3.1%	-1.6%	7.1%	6.1%	4.4%	5.7%	6.0%	6.3%	6.3%	6.5%	6.9%	5.9%	6.9%	6.4%	5.5%	6.9%	4.8%	6.5%	6.48%
FCF Margin	-4.5%	-5.6%	-5.1%	-2.9%	-1.0%	-1.1%	1.7%	1.9%	2.8%	4.6%	2.7%	3.1%	2.3%	4.2%	1.2%	4.1%	4.3%	3.5%	4.6%	2.4%	2.36%
OCF Margin	-3.7%	-4.1%	-3.4%	-0.3%	1.7%	1.9%	4.6%	3.9%	4.6%	6.1%	4.3%	4.7%	3.7%	5.7%	2.3%	5.2%	5.7%	5.1%	6.5%	4.8%	4.84%
ROE 3Y Avg	snapshot only																				10.00%
ROE 5Y Avg	snapshot only																				7.56%
ROA 3Y Avg	snapshot only																				3.30%
ROIC 3Y Avg	snapshot only																				3.89%
ROIC Economic	snapshot only																				5.55%
Cash ROA	snapshot only																				5.14%
Cash ROIC	snapshot only																				6.36%
CROIC	snapshot only																				3.10%
NOPAT Margin	snapshot only																				4.22%
Pretax Margin	snapshot only																				4.77%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				8.58%
SBC / Revenue	snapshot only																				1.31%

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	96.82	244.24	203.47	-142.80	307.93	49.74	57.56	28.63	26.89	31.46	36.31	36.93	52.94	41.54	34.82	39.36	33.32	33.73	35.94	41.11	44.080
P/S Ratio	1.97	1.50	1.25	0.81	0.68	0.70	0.89	0.74	0.64	0.77	1.04	1.17	1.72	1.35	1.18	1.32	1.05	1.05	1.07	1.21	1.314
P/B Ratio	7.83	5.98	4.94	3.22	2.70	2.73	3.46	2.88	2.50	3.00	4.06	4.59	6.61	3.19	2.92	3.37	2.76	3.00	3.15	3.70	4.018
P/FCF	-43.67	-26.85	-24.45	-27.61	-65.86	-64.46	53.68	39.45	23.20	16.85	38.00	38.17	75.25	31.97	101.58	32.57	24.64	30.39	23.02	51.12	51.122
P/OCF	—	—	—	—	40.19	36.53	19.47	18.84	14.02	12.72	24.22	24.96	46.83	23.84	50.52	25.33	18.57	20.66	16.48	24.92	24.925
EV/EBITDA	76.25	106.67	87.74	190.23	70.00	37.19	38.10	23.74	22.44	24.30	26.84	27.61	35.06	26.68	24.78	26.08	22.87	23.56	25.63	27.67	27.675
EV/Revenue	2.75	2.29	1.99	1.49	1.37	1.38	1.55	1.38	1.25	1.37	1.63	1.74	2.29	1.71	1.62	1.70	1.40	1.51	1.50	1.64	1.640
EV/EBIT	109.57	215.91	165.20	-517.31	153.61	51.53	51.16	28.62	27.15	29.19	31.50	32.14	40.38	30.94	28.69	30.44	27.02	27.41	30.30	32.77	32.768
EV/FCF	-61.06	-41.12	-38.75	-50.98	-132.58	-127.76	93.71	73.51	45.03	29.80	59.79	56.85	100.27	40.47	139.22	41.79	32.96	43.67	32.48	69.54	69.539
Earnings Yield	1.0%	0.4%	0.5%	-0.7%	0.3%	2.0%	1.7%	3.5%	3.7%	3.2%	2.8%	2.7%	1.9%	2.4%	2.9%	2.5%	3.0%	3.0%	2.8%	2.4%	2.43%
FCF Yield	-2.3%	-3.7%	-4.1%	-3.6%	-1.5%	-1.6%	1.9%	2.5%	4.3%	5.9%	2.6%	2.6%	1.3%	3.1%	1.0%	3.1%	4.1%	3.3%	4.3%	2.0%	1.96%
PEG Ratio	snapshot only																				2.747
EV/OCF	snapshot only																				33.904
EV/Gross Profit	snapshot only																				11.095
Acquirers Multiple	snapshot only																				28.434
Shareholder Yield	snapshot only																				0.00%
Graham Number	snapshot only																				$14.21

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	0.98	1.06	1.19	1.00	0.92	1.05	1.02	1.05	1.05	1.12	1.16	1.12	1.12	1.21	1.41	1.21	1.04	1.14	1.19	1.20	1.205
Quick Ratio	0.98	1.06	1.19	1.00	0.92	1.05	1.02	1.05	1.05	1.12	1.16	1.12	1.12	1.21	1.41	1.21	1.04	1.14	1.19	1.20	1.205
Debt/Equity	3.15	3.22	2.92	2.76	2.76	2.70	2.60	2.51	2.38	2.35	2.34	2.26	2.23	0.93	1.10	1.00	0.94	1.36	1.31	1.38	1.375
Net Debt/Equity	3.12	3.18	2.89	2.73	2.73	2.68	2.58	2.49	2.35	2.31	2.32	2.25	2.20	0.85	1.08	0.95	0.93	1.31	1.29	1.33	1.333
Debt/Assets	0.65	0.67	0.65	0.63	0.64	0.64	0.64	0.63	0.61	0.61	0.60	0.58	0.58	0.40	0.45	0.42	0.40	0.47	0.47	0.48	0.476
Debt/EBITDA	21.95	37.57	32.73	88.11	35.55	18.55	16.42	11.09	11.00	10.76	9.86	9.15	8.86	6.14	6.81	6.03	5.82	7.45	7.55	7.56	7.563
Net Debt/EBITDA	21.71	37.02	32.37	87.21	35.23	18.43	16.27	11.00	10.88	10.56	9.78	9.07	8.75	5.60	6.70	5.76	5.77	7.17	7.46	7.33	7.330
Interest Coverage	6.49	2.41	2.44	-0.51	1.33	3.33	3.20	4.62	4.24	4.31	4.72	5.10	4.69	5.51	6.64	7.48	10.81	7.83	21.10	12.12	12.124
Equity Multiplier	4.83	4.81	4.46	4.37	4.34	4.23	4.08	4.00	3.87	3.85	3.93	3.87	3.82	2.32	2.45	2.40	2.34	2.91	2.76	2.89	2.888
Cash Ratio	snapshot only																				0.100
Debt Service Coverage	snapshot only																				14.355
Cash to Debt	snapshot only																				0.031
FCF to Debt	snapshot only																				0.053
Defensive Interval	snapshot only																				545.5 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	0.86	0.85	0.87	0.88	0.89	0.91	0.96	0.99	1.02	1.04	1.06	1.09	1.12	1.14	1.13	1.18	1.21	1.15	1.20	1.23	1.232
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	9.77	8.69	8.32	8.62	8.77	8.82	9.03	9.09	9.44	9.51	9.43	9.18	9.10	9.76	9.00	9.30	9.41	9.27	9.40	9.63	9.626
Payables Turnover	43.73	38.79	41.12	38.57	36.40	34.28	36.98	35.61	36.82	39.03	39.81	38.78	40.25	40.67	40.52	39.82	38.19	36.64	41.92	41.31	41.310
DSO	37	42	44	42	42	41	40	40	39	38	39	40	40	37	41	39	39	39	39	38	37.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	8	9	9	9	10	11	10	10	10	9	9	9	9	9	9	9	10	10	9	9	8.8 days
Cash Conversion Cycle	29	33	35	33	32	31	31	30	29	29	30	30	31	28	32	30	29	29	30	29	29.1 days
Fixed Asset Turnover	snapshot only																				3.047
Cash Velocity	snapshot only																				72.134
Capital Intensity	snapshot only																				0.942

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	17.0%	12.5%	10.7%	7.5%	5.6%	7.6%	8.5%	10.5%	13.7%	15.1%	18.4%	21.9%	24.6%	27.6%	30.0%	30.6%	29.9%	36.3%	36.8%	37.9%	37.90%
Net Income	11.9%	-82.9%	-79.9%	-1.2%	-88.5%	1.5%	1.7%	6.0%	11.3%	1.0%	1.2%	49.2%	69.1%	68.6%	54.7%	38.8%	26.2%	31.1%	19.2%	20.5%	20.49%
EPS	10.7%	-81.6%	-79.4%	-1.2%	-88.3%	1.3%	1.7%	5.8%	11.2%	1.0%	1.2%	46.4%	62.9%	44.3%	33.6%	20.8%	12.3%	30.7%	17.4%	18.5%	18.53%
FCF	-1.5%	-1.6%	-1.6%	-52.5%	75.7%	79.1%	1.3%	1.7%	4.0%	5.9%	95.8%	99.0%	2.7%	17.3%	-44.5%	73.4%	1.4%	12.0%	4.4%	-19.8%	-19.84%
EBITDA	-12.8%	-60.3%	-52.4%	-81.0%	-42.6%	86.2%	94.4%	7.2%	2.2%	74.0%	77.4%	32.3%	46.4%	45.1%	40.0%	34.9%	22.3%	36.9%	22.5%	25.7%	25.69%
Op. Income	-18.3%	-75.2%	-66.7%	-1.1%	-62.0%	1.7%	1.7%	19.9%	4.8%	97.6%	1.0%	35.9%	52.0%	51.4%	43.6%	35.1%	19.8%	37.7%	37.1%	43.8%	43.77%
OCF Growth	snapshot only																				27.90%
Asset Growth	snapshot only																				38.04%
Equity Growth	snapshot only																				14.65%
Debt Growth	snapshot only																				57.58%
Shares Change	snapshot only																				1.65%

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	—	—	—	—	—	74.2%	38.9%	22.3%	12.0%	11.7%	12.4%	13.1%	14.4%	16.5%	18.6%	20.7%	22.6%	26.0%	28.2%	30.0%	29.97%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	50.7%	32.8%	23.9%	17.9%	19.4%	20.4%	21.1%	21.14%
EPS 3Y	—	—	—	—	—	—	—	53.5%	16.5%	-4.8%	6.8%	17.0%	32.5%	89.0%	99.1%	—	1.8%	55.8%	50.6%	28.0%	27.96%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	44.9%	23.6%	10.3%	13.8%	18.0%	18.03%
Net Income 3Y	—	—	—	—	—	—	—	54.4%	16.4%	-5.3%	6.2%	17.1%	33.6%	1.0%	1.1%	—	2.0%	64.5%	59.5%	35.6%	35.64%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	50.1%	27.5%	13.4%	17.2%	21.9%	21.86%
EBITDA 3Y	—	—	—	—	—	—	59.4%	33.8%	17.2%	8.8%	18.0%	27.1%	39.3%	67.5%	69.0%	1.4%	79.3%	51.2%	44.9%	30.9%	30.92%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	58.7%	33.7%	23.6%	20.6%	23.0%	28.3%	28.35%
Gross Profit 3Y	—	—	—	—	—	74.6%	37.2%	17.3%	8.2%	6.9%	10.0%	14.2%	18.5%	27.0%	29.6%	31.7%	37.4%	34.8%	36.7%	38.7%	38.74%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	53.5%	34.9%	23.8%	20.8%	21.2%	22.4%	24.8%	24.84%
Op. Income 3Y	—	—	—	—	—	—	72.2%	39.1%	21.3%	10.0%	21.8%	33.5%	49.2%	1.0%	98.4%	—	1.2%	60.3%	58.0%	38.2%	38.22%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	71.1%	37.6%	26.6%	22.6%	28.9%	35.8%	35.82%
FCF 3Y	—	—	—	—	—	—	—	-34.0%	-29.1%	-16.5%	-24.0%	—	—	—	—	—	—	—	80.7%	40.4%	40.36%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-0.2%	-2.4%	-5.2%	5.8%	—	—
OCF 3Y	—	—	—	—	—	—	—	-21.5%	-22.0%	-13.0%	-15.5%	—	—	—	—	—	83.0%	74.8%	44.1%	39.4%	39.40%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.4%	-1.0%	-0.8%	10.1%	—	—
Assets 3Y	—	—	—	—	—	4.6%	3.5%	3.2%	2.7%	2.1%	3.6%	4.4%	6.9%	8.6%	13.6%	14.8%	14.3%	23.7%	23.5%	26.3%	26.25%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	8.7%	10.1%	9.9%	9.4%	13.8%	13.0%	14.4%	14.38%
Equity 3Y	—	—	—	—	—	19.4%	17.8%	16.0%	14.6%	13.3%	13.7%	13.8%	15.6%	38.6%	38.7%	40.2%	40.4%	40.1%	40.6%	40.8%	40.77%
Book Value 3Y	—	—	—	—	—	16.3%	17.4%	15.3%	14.7%	13.9%	14.3%	13.6%	14.6%	29.0%	31.7%	30.6%	33.2%	32.6%	32.8%	32.8%	32.80%
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	—	0.85	0.87	0.88	0.94	0.78	0.82	0.88	0.97	0.98	0.96	0.92	0.90	0.95	0.97	0.96	0.89	0.85	0.85	0.85	0.846
Earnings Stability	—	0.11	0.06	0.17	0.65	0.08	0.08	0.06	0.03	0.25	0.38	0.36	0.42	0.52	0.64	0.61	0.66	0.53	0.67	0.72	0.722
Margin Stability	—	0.85	0.87	0.87	0.89	0.88	0.90	0.89	0.91	0.88	0.89	0.91	0.92	0.91	0.91	0.89	0.87	0.91	0.93	0.92	0.924
Rev. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	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	0	0	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	—	0.50	0.50	0.20	0.50	0.50	0.50	0.20	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.84	0.90	0.88	0.92	0.92	0.918
Earnings Smoothness	0.89	0.00	0.00	—	0.00	0.15	0.08	—	0.00	0.33	0.25	0.60	0.49	0.49	0.57	0.68	0.77	0.73	0.82	0.81	0.814
ROE Trend	—	-0.03	-0.04	-0.10	-0.08	-0.04	-0.02	0.05	0.05	0.06	0.07	0.09	0.07	0.00	-0.00	-0.03	-0.03	0.00	-0.01	-0.01	-0.015
Gross Margin Trend	—	-0.03	-0.03	-0.03	-0.02	0.00	0.00	0.00	0.01	0.01	0.01	0.02	0.02	0.01	0.01	0.01	0.03	0.02	0.02	0.01	0.014
FCF Margin Trend	—	-0.08	-0.08	-0.08	-0.04	-0.04	-0.00	0.04	0.06	0.08	0.04	0.04	0.01	0.02	-0.01	0.02	0.02	-0.01	0.03	-0.01	-0.012
Sustainable Growth Rate	-15.5%	2.6%	2.6%	—	0.9%	5.7%	6.3%	10.7%	10.0%	10.2%	12.1%	13.6%	13.9%	10.4%	11.3%	11.4%	10.9%	9.5%	9.3%	9.6%	9.61%
Internal Growth Rate	—	0.5%	0.5%	—	0.2%	1.3%	1.5%	2.6%	2.5%	2.6%	3.1%	3.6%	3.8%	3.8%	4.0%	4.1%	4.0%	3.7%	3.7%	3.7%	3.75%

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	-1.80	-6.76	-5.44	0.59	7.66	1.36	2.96	1.52	1.92	2.47	1.50	1.48	1.13	1.74	0.69	1.55	1.79	1.63	2.18	1.65	1.649
FCF/OCF	1.23	1.35	1.53	8.74	-0.61	-0.57	0.36	0.48	0.60	0.76	0.64	0.65	0.62	0.75	0.50	0.78	0.75	0.68	0.72	0.49	0.488
FCF/Net Income	snapshot only																				0.804
OCF/EBITDA	snapshot only																				0.816
CapEx/Revenue	0.8%	1.4%	1.8%	2.6%	2.7%	3.0%	2.9%	2.0%	1.8%	1.5%	1.6%	1.6%	1.4%	1.4%	1.2%	1.2%	1.4%	1.6%	1.8%	2.5%	2.48%
CapEx/Depreciation	snapshot only																				2.691
Accruals Ratio	0.05	0.04	0.03	-0.00	-0.01	-0.00	-0.03	-0.01	-0.02	-0.04	-0.02	-0.02	-0.00	-0.03	0.01	-0.02	-0.03	-0.02	-0.04	-0.02	-0.023
Sloan Accruals	snapshot only																				-0.002
Cash Flow Adequacy	snapshot only																				1.951
Earnings Quality Score	snapshot only																				1.000

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	2.8%	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	$0.79	$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	2.7%	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%	0.00%
Total Payout Ratio	2.7%	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%
Div. Increase Streak	1	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	1.12	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback 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%
Net Buyback Yield	-0.1%	0.0%	-0.0%	-0.0%	-0.0%	-0.1%	-0.0%	-0.0%	-0.0%	0.0%	0.0%	-0.1%	-0.1%	-0.2%	-0.2%	-0.1%	-0.1%	-0.1%	-0.1%	-0.3%	-0.26%
Total Shareholder Return	2.8%	0.0%	-0.0%	-0.0%	-0.0%	-0.1%	-0.0%	-0.0%	-0.0%	0.0%	0.0%	-0.1%	-0.1%	-0.2%	-0.2%	-0.1%	-0.1%	-0.1%	-0.1%	-0.3%	-0.26%

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)	0.96	0.99	0.87	0.66	1.01	0.75	0.74	0.68	0.68	0.68	0.70	0.73	0.73	0.72	0.71	0.70	0.67	0.65	0.63	0.61	0.614
Interest Burden (EBT/EBIT)	0.85	0.58	0.59	2.96	0.25	0.70	0.69	0.78	0.76	0.77	0.79	0.80	0.79	0.82	0.85	0.87	0.91	0.87	0.95	0.95	0.954
EBIT Margin	0.03	0.01	0.01	-0.00	0.01	0.03	0.03	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.05	0.06	0.05	0.05	0.050
Asset Turnover	0.86	0.85	0.87	0.88	0.89	0.91	0.96	0.99	1.02	1.04	1.06	1.09	1.12	1.14	1.13	1.18	1.21	1.15	1.20	1.23	1.232
Equity Multiplier	5.07	5.02	4.80	4.68	4.58	4.51	4.26	4.17	4.09	4.02	4.00	3.93	3.84	2.81	2.93	2.89	2.85	2.63	2.62	2.66	2.660

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)	$0.29	$0.09	$0.09	$-0.09	$0.03	$0.22	$0.25	$0.43	$0.41	$0.44	$0.54	$0.63	$0.67	$0.64	$0.72	$0.76	$0.76	$0.83	$0.85	$0.90	$0.90
Book Value/Share	$3.59	$3.86	$3.77	$3.98	$3.86	$4.02	$4.13	$4.27	$4.45	$4.64	$4.84	$5.05	$5.40	$8.30	$8.62	$8.86	$9.13	$9.38	$9.68	$9.99	$11.61
Tangible Book/Share	$-0.60	$-0.62	$-0.47	$-0.53	$-0.70	$-0.57	$-0.46	$-0.53	$-0.48	$-0.61	$-1.15	$-1.06	$-1.78	$1.92	$0.85	$1.12	$1.10	$-2.94	$-2.54	$-2.11	$-2.11
Revenue/Share	$14.27	$15.41	$14.86	$15.87	$15.26	$15.73	$16.11	$16.62	$17.33	$18.02	$18.92	$19.88	$20.80	$19.68	$21.25	$22.59	$24.02	$26.74	$28.62	$30.64	$31.63
FCF/Share	$-0.64	$-0.86	$-0.76	$-0.46	$-0.16	$-0.17	$0.27	$0.31	$0.48	$0.83	$0.52	$0.61	$0.47	$0.83	$0.25	$0.92	$1.02	$0.93	$1.32	$0.72	$0.75
OCF/Share	$-0.52	$-0.64	$-0.50	$-0.05	$0.26	$0.30	$0.73	$0.65	$0.79	$1.09	$0.81	$0.93	$0.76	$1.11	$0.50	$1.18	$1.36	$1.36	$1.85	$1.48	$1.53
Cash/Share	$0.12	$0.18	$0.12	$0.11	$0.10	$0.07	$0.10	$0.09	$0.11	$0.20	$0.09	$0.10	$0.14	$0.69	$0.15	$0.41	$0.07	$0.48	$0.14	$0.42	$0.44
EBITDA/Share	$0.52	$0.33	$0.34	$0.12	$0.30	$0.59	$0.65	$0.96	$0.96	$1.01	$1.15	$1.25	$1.36	$1.26	$1.39	$1.47	$1.48	$1.72	$1.68	$1.82	$1.82
Debt/Share	$11.30	$12.45	$11.01	$10.96	$10.64	$10.85	$10.74	$10.69	$10.58	$10.90	$11.34	$11.44	$12.02	$7.73	$9.47	$8.86	$8.59	$12.79	$12.66	$13.74	$13.74
Net Debt/Share	$11.18	$12.27	$10.89	$10.84	$10.55	$10.78	$10.65	$10.60	$10.47	$10.70	$11.25	$11.35	$11.87	$7.04	$9.32	$8.45	$8.52	$12.31	$12.53	$13.31	$13.31

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 Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.674
Altman Z-Prime	snapshot only																				3.087
Piotroski F-Score	4	4	5	6	7	7	6	7	8	7	8	8	8	8	7	8	7	5	5	6	6
Beneish M-Score	-1.60	-1.64	-2.19	-2.46	-2.51	-2.66	-2.59	-2.39	-2.52	-2.47	-2.20	-2.24	-2.06	-2.21	-2.01	-2.22	-2.71	-1.84	-2.18	-2.06	-2.056
Ohlson O-Score	snapshot only																				-6.347
Net-Net WC	snapshot only																				$-12.49
EVA	snapshot only																				$-37317745.71

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																				BBB+
Credit Score	38.00	32.62	34.62	16.13	22.05	35.62	35.97	36.48	35.95	43.63	41.85	46.25	45.92	58.51	54.95	58.96	63.73	52.18	62.55	60.71	60.712
Credit Grade	snapshot only																				8
Credit Trend	snapshot only																				1.754
Implied Spread (bps)	snapshot only																				225.000
Industry Credit Rank	snapshot only																				54
Sector Credit Rank	snapshot only																				53

PNTG 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

Sign in to InsiderStreet