$0.25

-0.04 (-15.48%)

Weekly Expected Move ±13.3%

$0 $0 $0 $0 $0

NASDAQ · Consumer Cyclical · Auto - Dealerships · Tech Score Strong Sell · Power 31 · $13.7M mcap · 35M float · 1.40% daily turnover · Short 21% of daily vol

Credit Risk of going bust: higher than 95% of companies Debt: 85.9% of company value Bonds: none of note held by US funds details ▾

If the stock fell to about $0.13 (down 45%), SunCar Technology Group Inc. would be worth roughly what it owes.
Total debt $83.7M against a stock market value of $13.7M.
Distance to default 0.71 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $82.1M (short-term plus half of long-term), stock volatility 94.8%; Altman Z'' -0.85. 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.

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

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

52.9 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 13.3% · 5Y Avg: -36.6%

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. SDA shows a Weak competitive edge (52.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 13.3% 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

Low

Avg Target

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$6.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-10-29	BTIG	—	Initiated	$6	—	+200.0%	$2.00

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 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. SDA receives an overall rating of B-. Strongest factors: DCF (5/5). Areas of concern: ROA (2/5), D/E (1/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-12	B	B-
2026-09-23	C	B

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.

★ ★ ★ ★ ★ 47 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. SDA scores highest in Momentum (96/100) and lowest in Profitability (25/100). 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

1.53

Distress Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-3.72

Unlikely Manipulator

Ohlson O-Score

-6.13

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

Score: 42.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 4.84x

Accruals: -4.5%

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. SDA scores 1.53, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. 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. SDA scores 8/9, 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. SDA's score of -3.72 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. SDA'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. SDA receives an estimated rating of BB (score: 42.1/100), 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). SDA'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

7.52x

PEG

0.01x

P/S

0.03x

P/B

0.77x

P/FCF

5.39x

P/OCF

5.24x

EV/EBITDA

6.64x

EV/Revenue

0.23x

EV/EBIT

10.52x

EV/FCF

8.12x

Earnings Yield

3.94%

FCF Yield

18.56%

Shareholder Yield

0.00%

Graham Number

$0.48

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 7.5x earnings, SDA trades at a deep value multiple. Graham's intrinsic value formula yields $0.48 per share, suggesting a potential 94% margin of safety at the current price.

DuPont Decomposition (5-Factor)

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

Tax Burden

0.432

NI / EBT

Interest Burden

0.637

EBT / EBIT

EBIT Margin

0.022

EBIT / Rev

Asset Turnover

1.944

Rev / Assets

Equity Multiplier

9.057

Assets / Equity

ROE

10.5%

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. SDA's ROE of 10.5% is driven by financial leverage (equity multiplier: 9.06x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.43 suggests the company retains less than 60% of pre-tax earnings after taxes.

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

$0.27

Price/Value

2.99x

Margin of Safety

-198.62%

Premium

198.62%

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 SDA's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. SDA trades at a 199% premium to its adjusted intrinsic value of $0.27, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 7.5x.

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 1390 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$0.25

Median 1Y

$0.07

5th Pctile

$0.01

95th Pctile

$0.43

Ann. Volatility

102.5%

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

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

544

-2.9% YoY

Revenue / Employee

—

Profit / Employee

—

SGA / Employee

—

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	-1.1%	-1.5%	-2.3%	-1.0%	1.2%	4.5%	4.1%	-14.5%	-20.9%	-4.7%	-1.9%	-4.7%	-3.2%	-2.9%	-1.6%	-74.0%	-62.1%	-31.9%	-8.7%	10.5%	10.51%
ROA	-1.1%	-1.5%	-2.2%	-0.2%	1.1%	0.9%	3.7%	-0.4%	-5.3%	-12.2%	-21.7%	-24.8%	-22.8%	-17.3%	-15.7%	-6.4%	-5.5%	-2.8%	-1.1%	1.2%	1.16%
ROIC	3.4%	10.8%	-57.3%	21.8%	11.0%	19.8%	11.8%	-0.4%	-7.7%	-26.9%	-29.5%	-1.1%	-92.8%	-95.6%	-75.8%	-1.1%	2.0%	4.4%	9.0%	13.3%	13.32%
ROCE	-6.7%	8.5%	7.9%	8.8%	5.2%	9.5%	27.0%	2.1%	-7.0%	-19.3%	-23.8%	-78.4%	-69.4%	-63.4%	-51.4%	-0.4%	2.2%	4.2%	9.5%	9.3%	9.32%
Gross Margin	13.9%	13.9%	15.8%	15.8%	19.3%	19.3%	13.8%	13.8%	9.6%	9.7%	48.0%	53.5%	53.3%	-24.2%	52.8%	14.5%	54.4%	-88.0%	50.3%	47.7%	47.66%
Operating Margin	3.6%	3.6%	4.8%	4.8%	-0.3%	-0.4%	-0.3%	0.7%	-5.1%	-10.5%	-5.3%	-53.2%	0.2%	0.0%	-2.9%	1.5%	2.5%	1.4%	2.3%	2.3%	2.26%
Net Margin	-0.4%	-0.3%	-0.6%	1.0%	0.9%	0.3%	-0.1%	-2.1%	-6.6%	-15.5%	-3.8%	-30.8%	-2.0%	-3.0%	-3.3%	-6.0%	-0.1%	2.3%	0.6%	-0.6%	-0.64%
EBITDA Margin	5.0%	1.1%	1.0%	6.5%	2.8%	2.2%	2.5%	2.5%	-8.4%	-10.3%	-3.2%	-51.8%	1.9%	1.2%	-1.2%	2.5%	4.0%	2.7%	3.7%	3.5%	3.48%
FCF Margin	-6.1%	-4.4%	-3.6%	-3.6%	-1.4%	-1.8%	-1.6%	-4.6%	-8.1%	-8.4%	-8.5%	-5.7%	-1.2%	2.6%	0.8%	1.1%	-0.1%	1.1%	1.3%	2.8%	2.81%
OCF Margin	-5.6%	-7.0%	-5.4%	-5.1%	-2.6%	-0.2%	-0.2%	-3.4%	-6.5%	-4.8%	-5.1%	-2.5%	1.1%	2.8%	0.9%	1.1%	-0.1%	1.2%	1.4%	2.9%	2.89%
ROE 3Y Avg	snapshot only																				-1.40%
ROE 5Y Avg	snapshot only																				-87.73%
ROA 3Y Avg	snapshot only																				-9.55%
ROIC 3Y Avg	snapshot only																				-51.08%
ROIC Economic	snapshot only																				9.37%
Cash ROA	snapshot only																				5.57%
Cash ROIC	snapshot only																				21.19%
CROIC	snapshot only																				20.63%
NOPAT Margin	snapshot only																				1.82%
Pretax Margin	snapshot only																				1.38%
R&D / Revenue	snapshot only																				1.79%
SGA / Revenue	snapshot only																				8.09%
SBC / Revenue	snapshot only																				0.05%

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	-3576.92	-2610.53	-638.47	-269.17	1296.60	66.25	608.74	-2436.69	-119.65	-30.56	-24.69	-14.69	-19.98	-23.34	-10.35	-15.62	-17.38	-29.03	-58.41	25.38	7.518
P/S Ratio	17.91	11.59	3.15	0.29	3.14	0.26	2.91	6.61	2.75	2.13	1.90	2.18	2.64	2.23	0.95	0.56	0.54	0.42	0.33	0.15	0.025
P/B Ratio	40.37	40.33	14.69	29.02	15.19	-13.97	60.23	226.71	56.27	48.10	45.04	54.63	61.14	79.77	12.12	8.85	8.68	6.33	5.23	2.54	0.772
P/FCF	-291.63	-264.83	-86.87	-8.27	-216.96	-14.69	-186.19	-143.08	-33.81	-25.25	-22.27	-37.97	-211.64	84.30	123.90	53.63	-365.05	38.61	26.02	5.39	5.387
P/OCF	—	—	—	—	—	—	—	—	—	—	—	—	234.36	80.12	108.53	49.86	—	36.04	24.61	5.24	5.245
EV/EBITDA	319.19	280.16	85.89	11.69	112.26	11.78	88.11	269.91	-476.79	-52.58	-37.13	-11.97	-17.35	-19.02	-8.88	55.10	36.57	23.11	13.44	6.64	6.643
EV/Revenue	18.46	11.59	2.90	0.40	3.15	0.36	2.92	6.71	2.84	2.21	2.01	2.28	2.75	2.31	1.01	0.65	0.63	0.50	0.43	0.23	0.228
EV/EBIT	444.09	451.09	162.57	21.64	280.85	28.87	195.84	1043.20	-134.90	-42.21	-31.40	-11.49	-16.29	-17.26	-8.01	-680.64	133.28	55.13	21.76	10.52	10.515
EV/FCF	-300.57	-264.88	-79.93	-11.13	-217.24	-20.11	-186.51	-145.14	-35.00	-26.28	-23.52	-39.77	-219.86	87.53	131.06	61.40	-422.16	45.61	33.55	8.12	8.116
Earnings Yield	-0.0%	-0.0%	-0.2%	-0.4%	0.1%	1.5%	0.2%	-0.0%	-0.8%	-3.3%	-4.1%	-6.8%	-5.0%	-4.3%	-9.7%	-6.4%	-5.8%	-3.4%	-1.7%	3.9%	3.94%
FCF Yield	-0.3%	-0.4%	-1.2%	-12.1%	-0.5%	-6.8%	-0.5%	-0.7%	-3.0%	-4.0%	-4.5%	-2.6%	-0.5%	1.2%	0.8%	1.9%	-0.3%	2.6%	3.8%	18.6%	18.56%
PEG Ratio	snapshot only																				0.010
Price/Tangible Book	snapshot only																				2.576
EV/OCF	snapshot only																				7.901
EV/Gross Profit	snapshot only																				1.906
Acquirers Multiple	snapshot only																				10.902
Shareholder Yield	snapshot only																				0.00%
Graham Number	snapshot only																				$0.48

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	0.01	0.17	219.58	1.06	0.03	0.94	0.01	1.41	1.41	1.41	1.32	1.32	1.29	1.25	1.35	1.26	1.28	1.24	1.28	1.28	1.277
Quick Ratio	0.01	0.17	219.58	1.06	0.03	0.94	0.01	1.41	1.41	1.41	1.32	1.32	1.29	1.25	1.35	1.26	1.28	1.24	1.28	1.28	1.277
Debt/Equity	1.25	0.01	0.01	34.52	0.02	-14.19	0.10	9.36	5.24	5.24	5.21	5.27	4.75	7.08	2.44	2.84	3.01	2.58	2.58	2.59	2.585
Net Debt/Equity	1.24	0.01	-1.17	10.03	0.02	—	0.10	3.26	1.98	1.98	2.53	2.59	2.38	3.05	0.70	1.28	1.36	1.15	1.51	1.29	1.288
Debt/Assets	1.19	0.01	0.01	0.43	0.02	0.39	0.08	0.39	0.38	0.38	0.33	0.34	0.33	0.34	0.31	0.30	0.32	0.33	0.33	0.30	0.297
Debt/EBITDA	9.58	0.07	0.07	10.33	0.15	8.74	0.15	10.99	-42.91	-5.50	-4.06	-1.10	-1.30	-1.63	-1.69	15.44	10.96	7.97	5.14	4.48	4.484
Net Debt/EBITDA	9.49	0.06	-7.46	3.00	0.15	3.17	0.15	3.83	-16.21	-2.08	-1.98	-0.54	-0.65	-0.70	-0.48	6.97	4.95	3.55	3.02	2.23	2.234
Interest Coverage	—	—	—	—	—	—	—	—	-4.00	-7.57	-6.41	-16.13	-16.26	-12.60	-12.71	-0.10	0.54	1.07	2.43	2.72	2.724
Equity Multiplier	1.05	1.06	1.07	80.53	1.06	-36.33	1.30	24.22	13.88	13.88	15.62	15.62	14.22	20.75	7.95	9.46	9.40	7.78	7.81	8.70	8.696
Cash Ratio	snapshot only																				0.271
Debt Service Coverage	snapshot only																				4.312
Cash to Debt	snapshot only																				0.502
FCF to Debt	snapshot only																				0.183
Defensive Interval	snapshot only																				692.6 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	2.14	3.27	4.38	1.92	4.61	2.25	7.78	1.45	2.33	1.75	2.81	1.67	1.73	1.81	1.70	1.77	1.78	1.96	1.93	1.94	1.944
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	1.46	2.25	2.70	3.63	3.17	3.30	3.55	3.75	4.65	5.14	4.89	5.18	6.16	6.48	5.53	5.29	6.13	7.25	8.00	7.07	7.070
Payables Turnover	3.37	—	—	34.69	14.43	19.20	—	12.27	21.27	12.67	11.43	6.70	6.01	7.27	5.16	5.64	6.02	9.94	8.87	7.16	7.157
DSO	251	162	135	100	115	111	103	97	79	71	75	70	59	56	66	69	60	50	46	52	51.6 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	108	0	0	11	25	19	0	30	17	29	32	54	61	50	71	65	61	37	41	51	51.0 days
Cash Conversion Cycle	142	162	135	90	90	92	103	68	61	42	43	16	-1	6	-5	4	-1	14	4	1	0.6 days
Fixed Asset Turnover	snapshot only																				10.378
Cash Velocity	snapshot only																				12.933
Capital Intensity	snapshot only																				0.518

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	—	—	—	3.6%	1.2%	46.6%	17.6%	21.6%	21.3%	28.8%	23.3%	23.5%	24.5%	17.1%	19.8%	17.8%	14.0%	14.9%	16.9%	17.9%	17.86%
Net Income	—	—	—	22.3%	2.1%	2.3%	2.1%	-2.0%	-12.5%	-23.7%	-20.9%	-66.5%	-6.2%	-60.6%	-43.1%	71.4%	73.2%	82.5%	92.7%	1.2%	1.20%
EPS	—	—	—	-22.1%	3.9%	42.1%	2.1%	71.9%	-12.2%	-2.7%	-18.3%	-57.6%	-5.2%	-53.1%	-30.9%	73.7%	74.1%	83.2%	92.7%	1.2%	1.19%
FCF	—	—	—	-15.8%	48.6%	40.4%	49.3%	-57.9%	-5.8%	-5.1%	-5.7%	-53.3%	80.9%	1.4%	1.1%	1.2%	86.5%	-52.6%	95.7%	2.2%	2.16%
EBITDA	—	—	—	1.3%	5.6%	7.7%	15.4%	-10.8%	-1.3%	-2.8%	-3.0%	-10.5%	-32.0%	-2.4%	-1.5%	1.1%	1.1%	1.2%	1.3%	2.5%	2.46%
Op. Income	—	—	—	2.9%	57.8%	-28.0%	-79.0%	-1.0%	-1.6%	-4.0%	-10.3%	-365.8%	-14.1%	-2.6%	-1.8%	98.7%	1.0%	1.1%	1.2%	13.0%	13.04%
OCF Growth	snapshot only																				2.01%
Asset Growth	snapshot only																				1.48%
Equity Growth	snapshot only																				10.34%
Debt Growth	snapshot only																				0.46%
Shares Change	snapshot only																				0.13%

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	—	—	—	—	—	—	—	—	—	—	—	90.5%	48.7%	30.3%	20.2%	20.9%	19.8%	20.1%	20.0%	19.7%	19.68%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	57.2%	57.18%
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-15.1%	1.7%	7.1%	18.8%	33.3%	33.31%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	37.5%	37.49%
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	1.3%	1.1%	63.5%	53.0%	36.8%	32.5%	-69.7%	-36.5%	7.5%	7.47%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	48.1%	48.13%
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-40.6%	-10.8%	64.3%	—	—
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	32.7%	32.69%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	61.1%	63.0%	61.2%	68.1%	9.2%	66.2%	9.7%	1.4%	7.9%	7.93%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	37.0%	36.99%
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	-34.5%	-31.6%	-40.1%	-14.0%	1.2%	-19.7%	—	31.8%	51.8%	51.85%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	-12.3%	-9.8%	-21.1%	-20.8%	-6.2%	-24.9%	—	22.2%	40.8%	40.83%
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	—	—	—	—	—	—	—	0.90	0.94	1.00	0.98	0.91	0.96	0.99	0.99	1.00	1.00	1.00	1.00	0.98	0.976
Earnings Stability	—	—	—	—	—	—	—	0.63	0.62	0.69	0.68	0.61	0.70	0.87	0.86	0.33	0.33	0.23	0.14	0.04	0.040
Margin Stability	—	—	—	—	—	—	—	0.94	0.92	0.78	0.87	0.64	0.41	0.58	0.66	0.68	0.49	0.18	0.34	0.65	0.650
Rev. Growth Consistency	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	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
FCF Positive Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	1	1	0
Earnings Persistence	—	—	—	—	—	—	—	0.50	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.20	0.200
Earnings Smoothness	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
ROE Trend	—	—	—	—	—	—	—	-0.04	-0.47	—	-1.86	-3.62	-2.83	—	-0.31	1.34	1.27	2.28	1.41	2.24	2.243
Gross Margin Trend	—	—	—	—	—	—	—	0.01	-0.02	-0.05	0.03	0.14	0.25	0.14	0.12	-0.02	-0.05	-0.20	-0.22	-0.13	-0.134
FCF Margin Trend	—	—	—	—	—	—	—	-0.02	-0.04	-0.05	-0.06	-0.02	0.04	0.08	0.06	0.06	0.05	0.04	0.05	0.05	0.052
Sustainable Growth Rate	—	—	—	—	1.2%	4.5%	4.1%	—	—	—	—	—	—	—	—	—	—	—	—	10.5%	10.51%
Internal Growth Rate	—	—	—	—	1.1%	0.9%	3.9%	—	—	—	—	—	—	—	—	—	—	—	—	1.2%	1.17%

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	11.24	15.84	10.99	46.95	-10.59	-0.60	-0.41	12.56	2.81	0.69	0.66	0.17	-0.09	-0.29	-0.10	-0.31	0.03	-0.81	-2.37	4.84	4.840
FCF/OCF	1.09	0.62	0.67	0.69	0.56	7.47	7.93	1.36	1.26	1.74	1.69	2.30	-1.11	0.95	0.88	0.93	1.68	0.93	0.95	0.97	0.974
FCF/Net Income	snapshot only																				4.712
OCF/EBITDA	snapshot only																				0.841
CapEx/Revenue	0.5%	0.6%	0.7%	0.9%	1.2%	1.5%	1.3%	1.1%	1.6%	1.6%	1.6%	1.5%	0.7%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.08%
CapEx/Depreciation	snapshot only																				0.060
Accruals Ratio	0.11	0.22	0.22	0.10	0.13	0.01	0.05	0.05	0.10	-0.04	-0.07	-0.21	-0.25	-0.22	-0.17	-0.08	-0.05	-0.05	-0.04	-0.04	-0.045
Sloan Accruals	snapshot only																				-0.037
Cash Flow Adequacy	snapshot only																				37.838
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	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%	0.00%
FCF Payout Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	0.0%	0.0%	0.0%	—	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	—	—	—	—	0.0%	37.4%	29.0%	—	—	—	—	—	—	—	—	—	—	—	—	0.0%	0.00%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	56.5%	4.8%	2.0%	4.7%	0.2%	0.3%	0.2%	0.1%	0.0%	3.3%	6.1%	6.2%	7.6%	1.1%	0.0%	0.00%
Net Buyback Yield	-0.2%	-0.2%	-0.4%	0.0%	0.0%	56.5%	4.8%	2.0%	4.7%	0.2%	0.3%	0.2%	0.1%	0.0%	-6.6%	-10.0%	-10.2%	-12.6%	1.1%	0.0%	0.00%
Total Shareholder Return	-0.2%	-0.2%	-0.4%	0.0%	0.0%	56.5%	4.8%	2.0%	4.7%	0.2%	0.3%	0.2%	0.1%	0.0%	-6.6%	-10.0%	-10.2%	-12.6%	1.1%	0.0%	0.00%

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)	-0.25	-0.37	-0.67	-0.10	0.17	0.26	0.25	-0.30	2.18	1.69	1.34	0.76	0.75	0.66	0.68	2.39	3.43	3.46	-0.81	0.43	0.432
Interest Burden (EBT/EBIT)	0.49	0.46	0.41	0.61	1.27	1.23	1.28	1.42	0.50	0.79	0.90	0.99	1.04	1.08	1.08	15.95	-1.93	-0.46	0.36	0.64	0.637
EBIT Margin	0.04	0.03	0.02	0.02	0.01	0.01	0.01	0.01	-0.02	-0.05	-0.06	-0.20	-0.17	-0.13	-0.13	-0.00	0.00	0.01	0.02	0.02	0.022
Asset Turnover	2.14	3.27	4.38	1.92	4.61	2.25	7.78	1.45	2.33	1.75	2.81	1.67	1.73	1.81	1.70	1.77	1.78	1.96	1.93	1.94	1.944
Equity Multiplier	1.05	1.06	1.07	4.66	1.06	5.01	1.11	36.74	3.91	38.47	8.72	18.82	14.06	16.80	10.32	11.60	11.23	11.25	7.88	9.06	9.057

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)	$-0.00	$-0.00	$-0.02	$-0.04	$0.01	$0.16	$0.02	$-0.01	$-0.09	$-0.27	$-0.30	$-0.62	$-0.55	$-0.41	$-0.40	$-0.16	$-0.14	$-0.07	$-0.03	$0.03	$0.03
Book Value/Share	$0.25	$0.25	$0.68	$0.35	$0.68	$-0.74	$0.18	$0.11	$0.19	$0.17	$0.17	$0.17	$0.18	$0.12	$0.34	$0.29	$0.29	$0.32	$0.33	$0.32	$0.94
Tangible Book/Share	$0.14	$0.14	$0.39	$-2.71	$0.51	$-2.65	$-0.03	$-0.09	$0.05	$0.04	$-0.04	$-0.04	$-0.04	$0.00	$0.23	$0.17	$0.29	$0.32	$0.32	$0.31	$0.31
Revenue/Share	$0.55	$0.86	$3.19	$34.45	$3.26	$39.60	$3.68	$3.90	$3.86	$3.88	$3.95	$4.18	$4.17	$4.33	$4.32	$4.53	$4.58	$4.80	$5.08	$5.33	$5.33
FCF/Share	$-0.03	$-0.04	$-0.12	$-1.23	$-0.05	$-0.70	$-0.06	$-0.18	$-0.31	$-0.33	$-0.34	$-0.24	$-0.05	$0.11	$0.03	$0.05	$-0.01	$0.05	$0.07	$0.15	$0.15
OCF/Share	$-0.03	$-0.06	$-0.17	$-1.77	$-0.08	$-0.09	$-0.01	$-0.13	$-0.25	$-0.19	$-0.20	$-0.10	$0.05	$0.12	$0.04	$0.05	$-0.00	$0.06	$0.07	$0.15	$0.15
Cash/Share	$0.00	$0.00	$0.81	$8.56	$0.00	$6.70	$0.00	$0.69	$0.62	$0.56	$0.45	$0.45	$0.43	$0.49	$0.59	$0.45	$0.47	$0.46	$0.35	$0.41	$0.41
EBITDA/Share	$0.03	$0.04	$0.11	$1.17	$0.09	$1.20	$0.12	$0.10	$-0.02	$-0.16	$-0.21	$-0.80	$-0.66	$-0.53	$-0.49	$0.05	$0.08	$0.10	$0.16	$0.18	$0.18
Debt/Share	$0.31	$0.00	$0.01	$12.06	$0.01	$10.51	$0.02	$1.06	$0.99	$0.90	$0.87	$0.88	$0.86	$0.86	$0.83	$0.82	$0.86	$0.82	$0.84	$0.82	$0.82
Net Debt/Share	$0.30	$0.00	$-0.80	$3.51	$0.01	$3.82	$0.02	$0.37	$0.37	$0.34	$0.42	$0.43	$0.43	$0.37	$0.24	$0.37	$0.39	$0.37	$0.49	$0.41	$0.41

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.525
Altman Z-Prime	snapshot only																				-0.563
Piotroski F-Score	1	1	1	4	7	5	3	3	1	4	3	4	5	4	6	5	5	5	5	8	8
Beneish M-Score	—	—	—	-1.50	-2.02	-2.67	-3.06	-6.34	-64.06	-8.02	-30.56	-4.75	-3.62	-2.59	-3.41	-1.13	-2.66	-3.30	-2.80	-3.72	-3.725
Ohlson O-Score	snapshot only																				-6.129
ROIC (Greenblatt)	snapshot only																				12.39%
Net-Net WC	snapshot only																				$0.12
EVA	snapshot only																				$2456984.80

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																				BB
Credit Score	57.10	72.47	87.63	32.61	74.58	20.00	73.95	49.58	48.02	45.39	38.34	37.48	47.51	46.89	30.70	22.26	22.82	38.01	43.80	42.07	42.072
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				19.813
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				40
Sector Credit Rank	snapshot only																				31

SDA 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

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet