— Know what they know.
Not Investment Advice
Also trades as: SCR.PA (PAR) · $vol 15M · SZCRF (OTC) · $vol 0M · SCR.SW (SIX) · $vol 0M

SCRYY OTC

SCOR Se
1W: -10.6% 1M: -14.2% 3M: -5.7% YTD: +5.5% 1Y: -0.6% 3Y: +21.1% 5Y: +48.1%
$3.45
-0.11 (-3.09%)
 
Weekly Expected Move ±5.7%
$3 $3 $3 $4 $4
OTC · Financial Services · Insurance - Reinsurance · Tech Score Sell · Power 45 · $61.6B mcap · 16.98B float · 0.0000% daily turnover · Short 27% of daily vol

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
Analyst Recommendations
Strong Buy: 0Buy: 1Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$—
Analysts0

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+
Oct 02, 2026
DCF
4
ROE
5
ROA
5
D/E
2
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. SCRYY receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (1/5).
Rating Change History
DateFromTo
2026-10-01 B B+
2026-08-03 B+ B
2026-07-08 C B+
2026-07-01 C- C
2026-05-08 B C-
2026-04-21 B+ B
2026-04-16 B B+
2026-03-19 C- B
2026-03-06 C C-
2026-02-11 None ADDED

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ — Grade B
Profitability
44
Balance Sheet
57
Earnings Quality
69
Growth
77
Value
—
Momentum
93
Safety
—
Cash Flow
47

Risk & Quality Signals

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

Altman-I Score
2.92
Grey Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓
Beneish M-Score
-2.42
Unlikely Manipulator
Ohlson O-Score
—
—
Credit Rating
A
Score: 70.8/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 1.04x
Accruals: -0.1%
The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. SCRYY scores 2.92, 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. SCRYY 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. SCRYY's score of -2.42 falls below this threshold, suggesting earnings are unlikely to be manipulated. 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. SCRYY receives an estimated rating of A (score: 70.8/100), 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). SCRYY'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
6.90x
PEG
0.13x
P/S
0.36x
P/B
1.28x
P/FCF
—
P/OCF
—
EV/EBITDA
—
EV/Revenue
—
EV/EBIT
—
EV/FCF
—
Earnings Yield
—
FCF Yield
—
Shareholder Yield
—
Graham Number
$0.51
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 6.9x earnings, SCRYY trades at a deep value multiple. Graham's intrinsic value formula yields $0.51 per share, 578% 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
0.659
NI / EBT
×
Interest Burden
2.069
EBT / EBIT
×
EBIT Margin
0.037
EBIT / Rev
×
Asset Turnover
0.447
Rev / Assets
×
Equity Multiplier
8.219
Assets / Equity
=
ROE
18.4%
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. SCRYY's ROE of 18.4% is driven by financial leverage (equity multiplier: 8.22x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate
0.00%
Fair P/E
8.50x
Intrinsic Value
$0.40
Price/Value
—
Margin of Safety
—
Premium
—
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with SCRYY's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. SCRYY trades at a premium to its adjusted intrinsic value of $0.40, 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 6.9x.

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
$3.45
Median 1Y
$3.09
5th Pctile
$1.36
95th Pctile
$7.01
Ann. Volatility
49.9%
25th–75th percentile 5th–95th percentile Median path Historical
All Ratios & Metrics

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

Profitability
Metric 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 Q4'25 Q1'26 Q2'26 Current
ROE 9.3% 7.0% 7.3% 5.4% -2.7% -6.7% -5.6% 1.6% 8.6% 17.4% 18.0% 10.1% 6.8% 1.0% 2.5% 6.6% 12.6% 19.8% 18.9% 18.4% 18.42%
ROA 1.2% 0.9% 0.9% 0.7% -0.3% -0.8% -0.7% 0.2% 1.0% 2.1% 2.3% 1.4% 0.9% 0.1% 0.3% 0.9% 1.5% 2.4% 2.3% 2.2% 2.24%
ROIC 9.4% 7.7% 7.4% 5.4% -0.4% -9.8% -22.0% -5.7% -5.4% 6.1% -7.0% 9.3% -2.7% 0.7% -1.1% 4.7% -5.5% -7.7% 12.8% 17.3% 17.32%
ROCE 1.9% 1.5% 2.9% 1.2% 0.1% -0.4% -12.8% -1.1% 1.2% 2.8% 3.9% 2.5% 0.8% -0.3% 0.5% 1.2% 2.4% 2.6% 1.8% 1.7% 1.66%
Gross Margin 1.0% 1.0% 1.0% 1.0% 1.0% 1.0% 1.0% 80.7% 1.1% 1.3% 1.0% — — 1.0% 1.0% 1.0% 1.0% 1.0% 1.0% 1.2% 1.18%
Operating Margin 15.4% -0.3% 5.4% -1.2% -4.5% -20.5% -11.9% 10.7% 7.6% 5.7% 5.9% — — -1.8% 4.3% 9.7% 9.2% 8.9% 8.6% 5.9% 5.90%
Net Margin 10.3% -1.1% 3.1% -2.1% -4.0% -6.6% 5.0% 7.5% 4.6% 3.3% 2.7% — — -3.9% 3.4% 6.1% 4.9% 5.2% 5.5% 4.5% 4.49%
EBITDA Margin -0.9% -0.1% -0.8% 0.0% -0.4% 5.1% 7.4% -0.6% -0.7% -0.6% -0.5% — — 0.0% 0.0% 0.0% 9.0% 9.8% 0.0% 5.9% 5.90%
FCF Margin 6.1% 13.1% 15.1% 10.8% 8.6% 1.7% 2.0% 4.5% 5.7% 7.0% 7.2% 8.4% 13.9% 13.9% 8.6% 6.6% 6.2% 4.4% 4.9% 4.9% 4.85%
OCF Margin 6.8% 13.7% 15.7% 11.3% 9.1% 2.1% 2.5% 4.9% 6.1% 7.3% 7.4% 8.8% 14.5% 14.5% 9.2% 6.9% 6.6% 4.7% 5.2% 5.2% 5.22%
ROE 3Y Avg snapshot only 11.94%
ROE 5Y Avg snapshot only 8.62%
ROA 3Y Avg snapshot only 1.50%
ROIC 3Y Avg snapshot only 9.02%
ROIC Economic snapshot only 13.21%
Cash ROA snapshot only 2.36%
Cash ROIC snapshot only 15.22%
CROIC snapshot only 14.14%
NOPAT Margin snapshot only 5.95%
Pretax Margin snapshot only 7.61%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 0.00%
SBC / Revenue snapshot only 0.00%
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 Q4'25 Q1'26 Q2'26 Current
P/E Ratio — — — — — — — — — — — — — — — — — — — — 6.896
P/S Ratio — — — — — — — — — — — — — — — — — — — — 0.359
P/B Ratio — — — — — — — — — — — — — — — — — — — — 1.282
P/FCF — — — — — — — — — — — — — — — — — — — — —
P/OCF — — — — — — — — — — — — — — — — — — — — —
EV/EBITDA — — — — — — — — — — — — — — — — — — — — —
EV/Revenue — — — — — — — — — — — — — — — — — — — — —
EV/EBIT — — — — — — — — — — — — — — — — — — — — —
EV/FCF — — — — — — — — — — — — — — — — — — — — —
Earnings Yield — — — — — — — — — — — — — — — — — — — — —
FCF Yield — — — — — — — — — — — — — — — — — — — — —
PEG Ratio snapshot only 0.133
Graham Number snapshot only $0.51
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 Q4'25 Q1'26 Q2'26 Current
Current Ratio — — 0.09 — — 2.47 0.07 10.79 11.77 10.65 103.48 — 99.36 — — — — 133.06 — — —
Quick Ratio — — 0.09 — — 2.47 0.07 10.79 11.77 10.65 103.48 — 99.36 — — — — 133.06 — — —
Debt/Equity 0.50 0.51 0.48 0.54 0.58 0.61 0.73 0.67 0.70 0.73 0.69 0.66 0.72 0.74 0.78 0.79 1.00 0.81 0.78 0.76 0.762
Net Debt/Equity 0.14 0.09 0.15 0.27 0.16 0.29 0.30 0.32 0.33 0.33 -3.76 0.25 -3.90 0.74 -4.10 0.79 -4.13 -4.06 0.78 0.29 0.286
Debt/Assets 0.06 0.06 0.06 0.06 0.06 0.06 0.09 0.10 0.10 0.10 0.09 0.09 0.09 0.09 0.10 0.10 0.11 0.10 0.10 0.09 0.092
Debt/EBITDA -34.76 -48.98 -44.94 -50.98 -67.25 19.91 6.19 6.84 6.98 14.20 -29.43 -38.65 -57.39 -118.59 — — 9.86 4.42 4.37 3.25 3.253
Net Debt/EBITDA -9.46 -9.18 -14.31 -25.94 -18.94 9.45 2.58 3.24 3.32 6.39 160.59 -14.79 311.64 -118.59 — — -40.90 -22.31 4.37 1.22 1.220
Interest Coverage — — — — — -6.72 -16.98 -4.65 3.60 8.08 11.81 9.98 4.25 -1.67 2.62 4.62 6.41 8.32 9.45 16.23 16.232
Equity Multiplier 7.78 8.12 8.04 8.70 9.54 9.51 8.10 6.65 6.87 7.23 7.56 7.35 7.93 8.47 8.26 8.15 8.68 8.15 8.09 8.29 8.291
Debt Service Coverage snapshot only 27.581
Cash to Debt snapshot only 0.625
FCF to Debt snapshot only 0.239
Defensive Interval snapshot only 225.9 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 Q4'25 Q1'26 Q2'26 Current
Asset Turnover 0.34 0.34 0.30 0.30 0.30 0.31 0.37 0.38 0.39 0.41 0.53 0.42 0.31 0.26 0.27 0.35 0.50 0.51 0.43 0.45 0.447
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover — — 3.62 — — — 1.80 — — — 3.80 — — — — — — 240.37 — 4.46 4.459
Payables Turnover 0.00 — 0.00 — 0.00 0.00 0.00 — 0.10 -0.47 — — — — — — — — — — —
DSO 0 0 101 0 0 0 202 0 0 0 96 0 0 0 0 0 0 2 0 82 81.9 days
DIO — — — — — — — 0 0 — — — — — — — — — — — —
DPO — — — — — — — 0 3593 — — — — — — — — — — — —
Cash Conversion Cycle — — — — — — — 0 -3593 — — — — — — — — — — — —
Cash Velocity snapshot only 7.872
Capital Intensity snapshot only 2.213
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 Q4'25 Q1'26 Q2'26 Current
Revenue -8.4% -8.0% -18.3% -17.0% -5.2% -4.0% 10.7% 11.5% 7.4% 7.7% 15.6% -11.5% -37.3% -47.4% -47.6% -10.2% 70.2% 1.1% 63.2% 26.6% 26.64%
Net Income 2.6% 1.8% 94.9% 1.8% -1.3% -1.9% -1.7% -72.8% 3.7% 3.2% 3.7% 4.6% -29.8% -94.7% -85.7% -36.8% 75.1% 18.2% 6.4% 1.6% 1.62%
EPS 2.6% 1.8% 1.0% 1.9% -1.3% -1.9% -1.7% -72.7% 3.6% 3.2% 3.5% 4.6% -92.7% -94.7% -84.6% -36.7% 16.5% 93.5% -26.0% -73.7% -73.71%
FCF -2.3% 1.7% 1.6% 43.8% 34.1% -87.6% -85.2% -54.1% -28.5% 3.5% 3.1% 67.8% 52.7% 4.2% -37.7% -30.2% -23.8% -34.4% -5.9% -6.3% -6.28%
EBITDA -46.8% -12.1% 17.1% -39.1% 47.3% 3.5% 8.4% 8.5% 10.7% 38.8% -1.2% -1.2% -1.1% -1.1% 1.0% 1.0% 8.5% 30.9% — — —
Op. Income 1.6% 1.1% 63.8% 96.9% -1.0% -2.1% -3.0% -2.7% -16.7% 1.6% 1.9% 1.9% 2.0% -42.6% -82.6% -39.7% 62.0% 3.7% 5.1% 1.4% 1.45%
OCF Growth snapshot only -4.36%
Asset Growth snapshot only -2.12%
Equity Growth snapshot only -3.80%
Debt Growth snapshot only -6.88%
Shares Change snapshot only 8.97%
Dividend Growth snapshot only -79.32%
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 Q4'25 Q1'26 Q2'26 Current
Revenue 3Y 11.5% 11.4% 6.5% 6.5% 8.2% 8.1% 8.0% 7.8% -2.3% -1.7% 1.5% -6.4% -13.9% -18.4% -12.5% -3.9% 4.6% 5.8% -0.4% 0.2% 0.25%
Revenue 5Y 8.3% 8.4% 5.6% 5.2% -2.8% -2.6% -2.3% -2.0% 7.1% 7.4% 9.1% 3.6% -3.2% -6.5% -5.3% -0.1% -0.1% 0.9% -2.2% -1.4% -1.39%
EPS 3Y 55.9% -4.5% 18.0% 21.2% — — — -32.0% 39.9% 78.2% 51.4% 64.5% -61.8% -52.7% -36.0% -1.3% — — — -2.6% -2.57%
EPS 5Y 3.5% -1.9% -1.6% -6.1% — — — -26.8% 23.7% 11.9% 22.8% 22.0% -29.8% -27.1% -14.0% 2.0% 28.3% -10.5% -17.0% -5.8% -5.84%
Net Income 3Y 54.3% -4.8% 26.4% 20.1% — — — -32.9% 39.5% 76.4% 51.3% 62.3% -19.3% -53.2% -36.6% -1.5% — — — 1.1% 1.10%
Net Income 5Y 3.9% -1.9% -1.7% -6.7% — — — -27.6% 22.4% 11.1% 29.1% 21.2% 10.1% -27.6% -15.4% 1.2% 27.3% 40.8% 29.6% 47.9% 47.90%
EBITDA 3Y — — — — — — — — — — — — — — — — — 69.7% 16.8% 29.1% 29.08%
EBITDA 5Y — — — — — -14.1% 8.3% 6.3% — — — — — — — — — — — — —
Gross Profit 3Y 11.5% 11.4% 6.5% 6.5% 8.2% 8.1% 8.0% 6.0% -2.7% 0.6% 3.6% -2.3% -10.3% -18.3% -12.5% -3.9% 4.9% 6.1% -0.1% 3.7% 3.65%
Gross Profit 5Y 8.3% 8.4% 5.6% 5.2% -2.8% -2.6% -2.3% -3.0% 6.9% 8.9% 10.5% 6.3% -0.7% -6.4% -5.3% -0.1% 0.1% 1.1% -2.0% -0.4% -0.39%
Op. Income 3Y 49.5% -1.9% 29.6% 21.9% — — — — — 13.3% 41.1% 41.4% -13.7% -26.8% -33.1% -4.7% — — — — —
Op. Income 5Y 3.7% -0.6% 0.7% -1.5% — — — — — -8.4% 30.1% 21.1% 11.4% -5.1% -11.5% 2.6% 21.7% 31.3% 24.4% 33.0% 33.03%
FCF 3Y -0.5% 20.8% 39.7% 25.5% 32.5% -20.8% -22.8% -4.3% -2.1% 14.3% 16.3% 3.5% 13.6% -16.7% -27.6% -18.7% -5.9% 45.3% 34.0% 3.2% 3.16%
FCF 5Y -1.1% 8.0% 11.4% 9.9% 2.6% -16.9% -21.4% -9.1% -1.1% -0.4% 10.7% 8.8% 20.5% 18.4% 3.3% 0.5% 1.8% 0.4% -1.6% -6.2% -6.22%
OCF 3Y 1.0% 20.5% 37.0% 23.4% 27.7% -19.9% -22.1% -6.4% -4.4% 10.0% 12.0% 1.2% 10.9% -16.8% -26.7% -18.5% -6.0% 38.1% 28.2% 2.7% 2.72%
OCF 5Y -0.2% 7.8% 11.1% 9.5% 2.6% -14.2% -19.1% -8.6% -1.2% -0.8% 9.3% 7.6% 17.5% 14.7% 1.4% -1.4% 0.2% -1.0% -3.3% -6.9% -6.91%
Assets 3Y 3.4% 5.0% 5.1% 5.2% 5.7% 3.7% -9.3% -11.1% -12.0% -11.5% -8.4% -8.3% -10.3% -10.6% -10.2% -10.8% -12.3% -11.2% 1.7% 3.7% 3.67%
Assets 5Y 3.4% 3.8% 3.6% 3.8% 4.5% 3.9% -4.1% -5.7% -6.5% -6.2% -4.4% -4.3% -4.7% -4.6% -4.4% -4.4% -5.2% -4.8% -4.5% -4.9% -4.91%
Equity 3Y 1.6% 1.1% 3.4% -1.1% -2.8% -5.7% -12.1% -7.5% -10.1% -10.7% -8.6% -7.6% -10.9% -11.9% -11.0% -8.8% -9.5% -6.5% 1.7% -3.7% -3.68%
Book Value 3Y 2.7% 1.4% -3.5% -0.2% -0.8% -4.5% -9.7% -6.3% -9.9% -9.8% -8.6% -6.4% -57.9% -11.0% -10.1% -8.6% -9.6% -56.6% -52.7% -55.2% -55.21%
Dividend 3Y — 4.5% — — — 0.3% 1.6% 0.3% -26.7% -6.5% -7.3% -6.1% -48.8% 9.2% 8.4% 7.6% -0.7% -53.8% -53.5% -40.8% -40.83%
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 Q4'25 Q1'26 Q2'26 Current
Revenue Stability 0.70 0.72 0.57 0.57 0.02 0.02 0.07 0.06 0.40 0.46 0.57 0.15 0.00 0.03 0.00 0.01 0.10 0.06 0.21 0.30 0.303
Earnings Stability 0.07 0.15 0.11 0.37 0.29 0.41 0.34 0.37 0.02 0.00 0.05 0.16 0.02 0.00 0.00 0.12 0.10 0.15 0.15 0.59 0.588
Margin Stability 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.98 1.00 0.97 0.97 0.93 0.94 0.97 0.97 0.93 0.94 0.97 0.97 0.93 0.931
Rev. Growth Consistency 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.500
Earn. Growth Consistency 0.50 0.50 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 0.500
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.50 0.50 0.50 0.50 0.20 0.20 0.20 0.50 0.20 0.20 0.20 0.50 0.50 0.50 0.50 0.85 0.50 0.50 0.50 0.50 0.500
Earnings Smoothness 0.00 0.05 0.36 0.04 — — — 0.00 — — — 0.00 0.65 0.00 0.00 0.55 0.45 0.00 0.00 0.10 0.105
ROE Trend 0.06 0.04 0.03 0.02 -0.09 -0.12 -0.12 -0.02 0.06 0.19 0.17 0.06 0.04 -0.05 -0.03 0.01 0.05 0.09 0.09 0.10 0.103
Gross Margin Trend 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.05 -0.01 0.07 0.06 0.16 0.14 -0.03 -0.03 -0.04 -0.05 -0.03 -0.02 -0.02 -0.017
FCF Margin Trend 0.01 0.09 0.10 0.05 0.03 -0.07 -0.08 -0.04 -0.02 -0.00 -0.01 0.01 0.07 0.10 0.04 0.00 -0.04 -0.06 -0.03 -0.03 -0.026
Sustainable Growth Rate 9.3% 1.6% 1.9% -0.1% — — — -4.3% 3.6% 12.1% 12.2% 4.9% -0.4% -6.5% -4.5% -0.1% 5.1% 12.4% 11.7% 3.7% 3.66%
Internal Growth Rate 1.2% 0.2% 0.2% — — — — — 0.4% 1.5% 1.6% 0.7% — — — — 0.6% 1.5% 1.5% 0.4% 0.45%
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 Q4'25 Q1'26 Q2'26 Current
OCF/Net Income 1.88 5.13 5.03 5.03 -8.58 -0.86 -1.32 8.84 2.28 1.44 1.71 2.56 4.87 28.76 7.78 2.85 2.15 1.02 0.98 1.04 1.042
FCF/OCF 0.90 0.95 0.96 0.95 0.95 0.79 0.82 0.92 0.94 0.96 0.97 0.96 0.96 0.96 0.93 0.95 0.95 0.92 0.94 0.93 0.929
FCF/Net Income snapshot only 0.968
OCF/EBITDA snapshot only 0.836
CapEx/Revenue 0.7% 0.6% 0.6% 0.5% 0.5% 0.5% 0.4% 0.4% 0.3% 0.3% 0.2% 0.1% 0.2% 0.2% 0.5% 0.4% 0.3% 0.4% 0.3% 0.4% 0.37%
Accruals Ratio -0.01 -0.04 -0.04 -0.03 -0.03 -0.01 -0.02 -0.02 -0.01 -0.01 -0.02 -0.02 -0.04 -0.04 -0.02 -0.02 -0.02 -0.00 0.00 -0.00 -0.001
Sloan Accruals snapshot only 0.000
Cash Flow Adequacy snapshot only 1.190
Earnings Quality Score snapshot only 1.000
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 Q4'25 Q1'26 Q2'26 Current
Dividend Yield — — — — — — — — — — — — — — — — — — — — 5.99%
Dividend/Share $0.00 $0.18 $0.18 $0.19 $0.37 $0.18 $0.18 $0.18 $0.14 $0.14 $0.13 $0.15 $0.02 $0.18 $0.18 $0.18 $0.18 $0.02 $0.02 $0.04 $0.19
Payout Ratio 0.0% 76.7% 73.9% 1.0% — — — 3.6% 58.6% 30.2% 32.1% 52.0% 1.1% 7.3% 2.8% 1.0% 59.5% 37.2% 37.8% 80.1% 80.15%
FCF Payout Ratio 0.0% 15.7% 15.3% 21.2% 49.8% 1.2% 1.0% 44.8% 27.2% 21.8% 19.4% 21.2% 22.7% 26.4% 38.5% 37.7% 29.2% 39.6% 41.2% 82.8% 82.82%
Total Payout Ratio 9.9% 94.7% 1.2% 1.8% — — — 3.9% 62.0% 31.9% 35.8% 59.6% 1.2% 8.4% 3.1% 1.1% 67.1% 42.0% 42.4% 84.4% 84.39%
Div. Increase Streak — 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield — — — — — — — — — — — — — — — — — — — — —
Net Buyback Yield — — — — — — — — — — — — — — — — — — — — —
Total Shareholder Return — — — — — — — — — — — — — — — — — — — — —
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 Q4'25 Q1'26 Q2'26 Current
Tax Burden (NI/EBT) 0.72 0.70 0.68 0.64 1.81 1.40 2.74 0.22 0.51 0.63 0.60 0.56 0.53 0.19 0.67 0.69 0.66 0.69 0.65 0.66 0.659
Interest Burden (EBT/EBIT) 0.86 0.83 0.84 0.80 -3.00 1.67 0.12 -1.15 2.30 1.55 0.98 1.00 2.16 -2.41 1.00 1.00 0.93 1.36 1.98 2.07 2.069
EBIT Margin 0.06 0.05 0.05 0.04 0.00 -0.01 -0.05 -0.02 0.02 0.05 0.07 0.06 0.03 -0.01 0.02 0.04 0.05 0.05 0.04 0.04 0.037
Asset Turnover 0.34 0.34 0.30 0.30 0.30 0.31 0.37 0.38 0.39 0.41 0.53 0.42 0.31 0.26 0.27 0.35 0.50 0.51 0.43 0.45 0.447
Equity Multiplier 7.56 7.78 7.78 8.10 8.61 8.76 8.07 7.78 8.33 8.49 7.82 7.00 7.39 7.84 7.90 7.74 8.29 8.31 8.17 8.22 8.219
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 Q4'25 Q1'26 Q2'26 Current
EPS (Diluted TTM) $0.31 $0.24 $0.25 $0.18 $-0.09 $-0.22 $-0.17 $0.05 $0.24 $0.48 $0.42 $0.28 $0.02 $0.03 $0.06 $0.18 $0.30 $0.05 $0.05 $0.05 $0.05
Book Value/Share $3.34 $3.41 $3.48 $3.36 $3.12 $3.04 $2.41 $2.75 $2.50 $2.47 $2.44 $2.75 $0.25 $2.40 $2.53 $2.56 $2.31 $0.25 $0.25 $0.25 $2.47
Tangible Book/Share $1.72 $1.70 $1.43 $1.41 $1.04 $2.05 $1.62 $2.26 $2.03 $1.98 $1.72 $2.26 $0.20 $1.91 $1.78 $2.07 $1.81 $0.18 $0.21 $0.20 $0.20
Revenue/Share $8.60 $8.88 $7.91 $8.17 $8.65 $8.82 $9.01 $9.15 $8.96 $9.44 $9.68 $8.11 $0.58 $4.97 $5.45 $7.30 $9.88 $1.05 $0.89 $0.93 $8.86
FCF/Share $0.52 $1.16 $1.20 $0.88 $0.74 $0.15 $0.18 $0.41 $0.51 $0.66 $0.70 $0.68 $0.08 $0.69 $0.47 $0.48 $0.62 $0.05 $0.04 $0.04 $0.46
OCF/Share $0.58 $1.22 $1.24 $0.92 $0.78 $0.19 $0.22 $0.44 $0.54 $0.69 $0.72 $0.71 $0.08 $0.72 $0.50 $0.50 $0.65 $0.05 $0.05 $0.05 $0.47
Cash/Share $1.22 $1.40 $1.13 $0.89 $1.30 $0.97 $1.02 $0.96 $0.92 $1.00 $10.85 $1.12 $1.15 $0.00 $12.32 $0.00 $11.84 $1.21 $0.00 $0.12 $1.18
EBITDA/Share $-0.05 $-0.04 $-0.04 $-0.04 $-0.03 $0.09 $0.28 $0.27 $0.25 $0.13 $-0.06 $-0.05 $-0.00 $-0.02 $0.00 $0.00 $0.23 $0.05 $0.05 $0.06 $0.06
Debt/Share $1.67 $1.73 $1.66 $1.81 $1.81 $1.84 $1.75 $1.83 $1.76 $1.81 $1.68 $1.81 $0.18 $1.79 $1.98 $2.02 $2.30 $0.20 $0.20 $0.19 $0.19
Net Debt/Share $0.46 $0.32 $0.53 $0.92 $0.51 $0.88 $0.73 $0.87 $0.84 $0.82 $-9.17 $0.69 $-0.97 $1.79 $-10.34 $2.02 $-9.54 $-1.01 $0.20 $0.07 $0.07
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 Q4'25 Q1'26 Q2'26 Current
Altman-I Score — — — — — — — — — — — — — — — — — — — — 2.917
Piotroski F-Score 5 6 6 6 4 3 4 5 6 7 7 6 5 5 4 4 6 5 4 7 7
Beneish M-Score -2.79 -2.59 -2.90 -2.53 -2.39 -2.81 -2.55 -2.58 -2.80 -0.58 -3.34 — — -2.72 -1.81 — — -2.45 -2.83 -2.42 -2.420
Net-Net WC snapshot only $-1.69
EVA snapshot only $415111583.89
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 Q4'25 Q1'26 Q2'26 Current
Credit Rating snapshot only A
Credit Score 74.90 79.25 79.25 69.50 51.00 30.65 20.70 45.90 64.75 70.90 93.50 75.40 84.75 45.50 64.00 55.75 70.50 82.90 64.90 70.75 70.750
Credit Grade snapshot only 6
Credit Trend snapshot only 15.000
Implied Spread (bps) snapshot only 150.000

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