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SLQT NYSE

SelectQuote, Inc.
1W: -10.9% 1M: +28.1% 3M: +19.1% YTD: -22.6% 1Y: -53.3% 3Y: -19.7% 5Y: -95.1%
$1.00
-0.06 (-5.66%)
After Hours: $1.02 (+0.02, +1.68%)
Weekly Expected Move ±29.0%
$0 $1 $1 $1 $2
NYSE · Financial Services · Insurance - Brokers · Alpha Radar Buy · Power 59 · $176.3M mcap · 137M float · 1.26% daily turnover · Short 30% 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.

WEAK EDGE
53.5 / 100
NoneWeakNarrowWide
Primary source: Intangible Assets  ·  ROIC: 4.0%  ·  5Y Avg: -8.2%
Cost Advantage
48
Intangibles
79
Switching Cost
52
Network Effect
29
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. SLQT shows a Weak competitive edge (53.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 4.0% 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
$0
Low
$4
Avg Target
$4
High
Based on 2 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 4Hold: 7Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$4.00
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-02-06 Craig-Hallum — Initiated $3 — +189.9% $1.03
2025-11-20 RBC Capital — $2 $5 +3 +250.9% $1.43
2022-08-30 RBC Capital — Initiated $2 — +53.3% $1.30
2022-08-30 Citigroup — Initiated $2 — +11.1% $1.35
2022-05-06 Piper Sandler — Initiated $3 — +14.1% $2.63

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.

A+
May 22, 2026
DCF
5
ROE
4
ROA
5
D/E
2
P/E
4
P/B
4
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. SLQT receives an overall rating of A+. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5), P/E (4/5), P/B (4/5). Areas of concern: D/E (2/5).
Rating Change History
DateFromTo
2026-05-11 S- A+
2026-05-08 A- S-
2026-05-05 A+ A-
2026-04-02 A A+
2026-04-01 A+ A
2026-02-09 S- A+
2026-02-06 A+ S-
2026-01-30 A A+
2026-01-03 B+ A

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.

★ ★ ★ ★ ★ 35 Grade C
Profitability
59
Balance Sheet
53
Earnings Quality
41
Growth
66
Value
73
Momentum
57
Safety
100
Cash Flow
16
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. SLQT scores highest in Safety (100/100) and lowest in Cash Flow (16/100). 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-I Score
5.99
Safe Zone
Piotroski F-Score
6/9
✓ ✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓
Beneish M-Score
-2.47
Unlikely Manipulator
Ohlson O-Score
-7.39
Bankruptcy prob: 0.1%
Low Risk
Credit Rating
BBB
Score: 59.4/100
Trend: Improving
Earnings Quality
25/100
OCF/NI: 0.16x
Accruals: 5.4%
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. SLQT scores 5.99, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. SLQT 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. SLQT's score of -2.47 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. SLQT's implied 0.1% 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. SLQT receives an estimated rating of BBB (score: 59.4/100), 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). SLQT's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

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
2.03x
PEG
0.00x
P/S
0.11x
P/B
0.28x
P/FCF
30.93x
P/OCF
21.71x
EV/EBITDA
3.96x
EV/Revenue
0.40x
EV/EBIT
4.46x
EV/FCF
76.20x
Earnings Yield
29.67%
FCF Yield
3.23%
Shareholder Yield
0.94%
Graham Number
$5.40
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 2.0x earnings, SLQT trades at a deep value multiple. An earnings yield of 29.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $5.40 per share, suggesting a potential 440% 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
0.871
NI / EBT
×
Interest Burden
0.617
EBT / EBIT
×
EBIT Margin
0.089
EBIT / Rev
×
Asset Turnover
1.325
Rev / Assets
×
Equity Multiplier
2.738
Assets / Equity
=
ROE
17.4%
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. SLQT's ROE of 17.4% is driven by Asset Turnover (1.325), 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
$3.56
Price/Value
0.40x
Margin of Safety
60.34%
Premium
-60.34%
Assessment
Undervalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with SLQT's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $3.56, SLQT appears undervalued with a 60% margin of safety. The adjusted fair P/E of 8.5x compares to the current market P/E of 2.0x.

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 1509 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$1.00
Median 1Y
$0.34
5th Pctile
$0.06
95th Pctile
$1.81
Ann. Volatility
102.7%
25th–75th percentile 5th–95th percentile Median path Historical

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
Timothy R. Danker
Chief Executive Officer
 $556,973 $2,212,143 $3,487,527
Robert Grant
President
 $477,405 $2,119,967 $3,063,841
William Grant Operating
rating Officer
 $440,274 $1,843,452 $2,723,982

CEO Pay Ratio

9:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $3,487,527
Avg Employee Cost (SGA/emp): $409,777
Employees: 1,181

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
1,181
-72.5% YoY
Revenue / Employee
$1,292,628
Rev: $1,526,594,000
Profit / Employee
$40,288
NI: $47,580,000
SGA / Employee
$409,777
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 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 26.8% 21.3% 13.2% -24.3% -31.3% -56.6% -55.6% -25.3% -22.2% -15.9% -12.8% -13.6% -13.8% -10.3% -14.3% -4.2% 1.1% 10.7% 13.8% 17.4% 17.42%
ROA 12.9% 10.1% 6.3% -11.5% -14.9% -22.1% -21.7% -9.9% -8.7% -4.7% -3.8% -4.0% -4.1% -2.8% -3.9% -1.1% 0.3% 3.9% 5.0% 6.4% 6.36%
ROIC 35.7% 17.6% 12.3% -14.5% -19.0% -27.7% -26.4% -8.4% -5.9% 0.9% 2.3% 2.5% 2.4% 5.2% 6.0% 7.2% 2.1% 7.0% 5.6% 4.0% 4.00%
ROCE 20.8% 14.7% 9.9% -12.7% -16.2% -29.7% -28.3% -9.0% -6.3% 1.1% 2.6% 2.8% 2.8% 6.3% 7.4% 8.1% 10.3% 12.3% 11.0% 14.0% 13.96%
Gross Margin 73.1% 66.0% 41.3% 24.6% 57.8% 21.5% 33.8% 55.6% 52.7% 38.3% 32.7% 52.7% 49.4% 39.7% 33.2% 46.5% 40.8% 30.1% 20.4% 1.2% 1.17%
Operating Margin 20.0% 7.4% -35.9% -89.4% 0.8% -89.2% -24.3% 16.6% 11.3% -16.1% -9.6% 13.6% 8.8% -0.5% -4.1% 14.7% 5.4% -3.6% -12.4% 14.0% 14.02%
Net Margin 13.3% 1.8% -30.9% -70.8% -2.6% -78.4% -26.1% 7.1% 3.1% -21.6% -13.3% 4.8% 2.3% -10.1% -15.2% 11.1% 6.4% 3.7% -9.3% 12.9% 12.90%
EBITDA Margin 20.3% 10.0% -32.7% -86.2% 3.3% -84.2% -20.0% 18.8% 13.6% -13.0% -7.1% 15.1% 10.6% 1.6% -2.2% 14.2% 14.7% 7.7% -6.6% 18.3% 18.29%
FCF Margin -10.6% -14.4% -22.5% -43.5% -46.3% -48.3% -42.0% -13.9% -8.3% -2.8% -0.5% -0.3% -1.7% 0.5% 1.0% 0.8% 2.6% -1.2% -1.6% 0.5% 0.52%
OCF Margin -9.1% -12.3% -20.0% -39.6% -41.7% -44.5% -38.9% -12.1% -7.3% -1.9% 0.4% 0.6% -1.0% 1.0% 1.5% 1.2% 3.0% -0.8% -1.1% 0.7% 0.75%
ROE 3Y Avg snapshot only -1.77%
ROE 5Y Avg snapshot only -12.33%
ROA 3Y Avg snapshot only 0.32%
ROIC 3Y Avg snapshot only -1.39%
ROIC Economic snapshot only 4.00%
Cash ROA snapshot only 0.97%
Cash ROIC snapshot only 1.26%
CROIC snapshot only 0.88%
NOPAT Margin snapshot only 2.37%
Pretax Margin snapshot only 5.51%
R&D / Revenue snapshot only 1.20%
SGA / Revenue snapshot only 29.77%
SBC / Revenue snapshot only 1.09%
Valuation
Metric Trend 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 33.50 24.69 26.40 -10.09 -2.42 -1.36 -0.41 -0.84 -3.10 -5.55 -4.16 -4.63 -6.71 -13.63 -7.77 -46.02 154.06 9.21 5.91 3.37 2.032
P/S Ratio 5.50 3.41 2.19 1.85 0.56 0.54 0.16 0.13 0.40 0.32 0.18 0.20 0.28 0.35 0.27 0.44 0.38 0.29 0.23 0.16 0.108
P/B Ratio 8.96 4.78 3.17 2.23 0.69 1.04 0.31 0.29 0.93 0.94 0.56 0.67 0.99 1.47 1.17 2.00 1.80 0.76 0.63 0.46 0.281
P/FCF -51.76 -23.64 -9.72 -4.25 -1.22 -1.11 -0.37 -0.90 -4.78 -11.41 -39.06 -63.81 -16.03 72.22 27.75 55.26 14.60 -24.41 -14.94 30.93 30.929
P/OCF — — — — — — — — — — 47.53 33.42 — 33.94 17.81 35.94 12.63 — — 21.71 21.712
EV/EBITDA 21.16 16.31 15.76 -11.68 -3.55 -3.12 -2.37 -9.14 -20.74 24.75 15.24 15.60 17.81 12.70 10.46 12.23 9.78 5.54 5.61 3.96 3.958
EV/Revenue 5.44 3.65 2.41 2.12 0.83 1.33 0.94 0.80 1.06 0.97 0.79 0.76 0.80 0.86 0.75 0.90 0.83 0.54 0.48 0.40 0.399
EV/EBIT 22.54 17.68 17.93 -10.24 -3.17 -2.90 -2.18 -6.77 -12.99 84.95 29.77 28.70 32.77 17.62 13.89 15.74 11.83 6.43 6.56 4.46 4.462
EV/FCF -51.15 -25.26 -10.72 -4.87 -1.80 -2.75 -2.25 -5.77 -12.71 -34.16 -168.37 -241.82 -46.43 176.45 78.13 113.76 31.82 -45.76 -30.66 76.20 76.203
Earnings Yield 3.0% 4.0% 3.8% -9.9% -41.4% -73.5% -2.4% -1.2% -32.3% -18.0% -24.0% -21.6% -14.9% -7.3% -12.9% -2.2% 0.6% 10.9% 16.9% 29.7% 29.67%
FCF Yield -1.9% -4.2% -10.3% -23.5% -82.2% -90.2% -2.7% -1.1% -20.9% -8.8% -2.6% -1.6% -6.2% 1.4% 3.6% 1.8% 6.8% -4.1% -6.7% 3.2% 3.23%
PEG Ratio snapshot only 0.002
Price/Tangible Book snapshot only 0.495
EV/OCF snapshot only 53.494
EV/Gross Profit snapshot only 0.670
Acquirers Multiple snapshot only 14.637
Shareholder Yield snapshot only 0.94%
Graham Number snapshot only $5.40
Leverage & Solvency
Metric Trend 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 5.36 4.44 4.44 4.44 4.44 3.55 3.55 3.55 3.55 2.65 2.65 2.65 2.65 1.91 1.91 1.91 1.91 1.60 1.60 1.60 1.602
Quick Ratio 5.36 4.44 4.44 4.44 4.44 3.50 3.50 3.50 3.50 2.61 2.61 2.61 2.61 1.86 1.86 1.86 1.86 1.60 1.60 1.60 1.602
Debt/Equity 0.57 0.76 0.76 0.76 0.76 1.91 1.91 1.91 1.91 2.11 2.11 2.11 2.11 2.25 2.25 2.25 2.25 0.72 0.72 0.72 0.723
Net Debt/Equity -0.10 0.33 0.33 0.33 0.33 1.54 1.54 1.54 1.54 1.87 1.87 1.87 1.87 2.12 2.12 2.12 2.12 0.67 0.67 0.67 0.666
Debt/Assets 0.28 0.35 0.35 0.35 0.35 0.58 0.58 0.58 0.58 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.33 0.33 0.33 0.333
Debt/EBITDA 1.37 2.42 3.41 -3.46 -2.65 -2.30 -2.43 -9.51 -15.96 18.60 13.20 12.96 13.16 7.98 7.17 6.69 5.63 2.80 3.12 2.55 2.550
Net Debt/EBITDA -0.25 1.05 1.48 -1.50 -1.15 -1.86 -1.97 -7.71 -12.94 16.49 11.70 11.49 11.66 7.50 6.74 6.29 5.29 2.59 2.88 2.35 2.352
Interest Coverage 7.05 6.58 4.19 -4.77 -5.38 -8.01 -6.42 -1.70 -1.05 0.14 0.33 0.35 0.33 0.69 0.79 0.88 1.16 1.61 1.67 2.58 2.581
Equity Multiplier 2.07 2.13 2.13 2.13 2.13 3.30 3.30 3.30 3.30 3.51 3.51 3.51 3.51 3.77 3.77 3.77 3.77 2.17 2.17 2.17 2.171
Cash Ratio snapshot only 0.152
Debt Service Coverage snapshot only 2.909
Cash to Debt snapshot only 0.078
FCF to Debt snapshot only 0.020
Defensive Interval snapshot only 125.3 days
Efficiency & Turnover
Metric Trend 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 0.79 0.73 0.76 0.63 0.64 0.56 0.57 0.66 0.68 0.80 0.86 0.92 0.99 1.10 1.14 1.21 1.23 1.25 1.28 1.33 1.325
Inventory Turnover — 3076.31 3537.86 4245.14 4749.07 155.44 160.79 159.17 167.84 93.19 101.84 110.68 119.34 101.05 106.46 115.64 122.79 213.63 228.84 149.58 149.579
Receivables Turnover 6.59 7.85 8.12 6.75 6.83 6.53 6.58 7.66 7.87 7.05 7.55 8.16 8.70 8.68 9.07 9.57 9.77 10.13 10.37 10.74 10.744
Payables Turnover 10.81 9.50 10.93 13.11 14.67 15.66 16.20 16.04 16.91 20.15 22.03 23.94 25.81 22.56 23.77 25.82 27.41 19.53 20.92 13.68 13.676
DSO 55 46 45 54 53 56 55 48 46 52 48 45 42 42 40 38 37 36 35 34 34.0 days
DIO 0 0 0 0 0 2 2 2 2 4 4 3 3 4 3 3 3 2 2 2 2.4 days
DPO 34 38 33 28 25 23 23 23 22 18 17 15 14 16 15 14 13 19 17 27 26.7 days
Cash Conversion Cycle 22 8 12 26 29 35 35 27 27 38 35 33 31 29 28 27 27 19 19 10 9.7 days
Fixed Asset Turnover snapshot only 41.293
Operating Cycle snapshot only 36.4 days
Cash Velocity snapshot only 49.975
Capital Intensity snapshot only 0.772
Growth (YoY)
Metric Trend 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 — 5.6% 2.6% 29.0% -8.5% -18.6% -20.7% 11.0% 12.8% 31.8% 39.8% 29.9% 34.8% 31.8% 28.7% 25.7% 20.4% 15.5% 13.2% 11.1% 11.14%
Net Income — 5.4% 2.8% -2.3% -2.3% -3.3% -4.7% 9.1% 37.9% 80.5% 84.0% 62.5% 56.7% 41.7% -1.1% 72.6% 1.1% 2.4% 2.3% 6.6% 6.64%
EPS — 4.9% 2.9% -2.3% -2.3% -3.3% -4.6% 10.5% 39.4% 80.7% 84.2% 63.2% 57.5% 42.3% 0.7% 72.7% 1.1% 2.3% 2.2% 6.2% 6.17%
FCF — -4.5% -4.9% -1.6% -3.0% -1.7% -48.0% 64.5% 79.8% 92.2% 98.4% 97.1% 72.0% 1.2% 3.7% 4.1% 2.8% -3.8% -2.8% -26.2% -26.17%
EBITDA — 4.5% 2.1% -1.8% -1.8% -2.6% -3.1% 46.3% 75.5% 1.1% 1.2% 1.7% 2.2% 1.3% 79.6% 88.9% 1.3% 65.8% 33.8% 52.8% 52.84%
Op. Income — 4.5% 2.1% -2.0% -2.0% -2.8% -3.5% 34.9% 65.1% 1.0% 1.1% 1.3% 1.4% 4.6% 1.6% 1.9% 1.6% 6.1% -47.0% -51.3% -51.34%
OCF Growth snapshot only -31.59%
Asset Growth snapshot only 4.64%
Equity Growth snapshot only 81.67%
Debt Growth snapshot only -41.74%
Shares Change snapshot only 9.03%
Growth (CAGR)
Metric Trend 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 — — — — — — — — — 92.1% 59.3% 23.0% 11.6% 12.2% 12.6% 21.9% 22.3% 26.1% 26.8% 22.0% 21.97%
Revenue 5Y — — — — — — — — — — — — — — — — — 60.9% 42.5% 21.0% 21.04%
EPS 3Y — — — — — — — — — — — — — — — — — — — — —
EPS 5Y — — — — — — — — — — — — — — — — — 14.4% 21.3% -9.0% -8.96%
Net Income 3Y — — — — — — — — — — — — — — — — — — — — —
Net Income 5Y — — — — — — — — — — — — — — — — — 18.9% 24.2% -6.8% -6.84%
EBITDA 3Y — — — — — — — — — 1.0% 4.9% -31.4% -37.6% -24.6% -12.4% — — — — — —
EBITDA 5Y — — — — — — — — — — — — — — — — — 31.2% 22.6% -1.4% -1.36%
Gross Profit 3Y — — — — — — — — — 67.8% 41.9% 6.0% -4.4% -3.5% -1.9% 13.4% 15.5% 25.3% 24.5% 31.9% 31.87%
Gross Profit 5Y — — — — — — — — — — — — — — — — — 42.5% 26.4% 16.6% 16.61%
Op. Income 3Y — — — — — — — — — -31.4% -12.7% -42.9% -48.3% -31.2% -17.7% — — — — — —
Op. Income 5Y — — — — — — — — — — — — — — — — — 13.8% -1.6% -23.3% -23.34%
FCF 3Y — — — — — — — — — — — — — — — — — — — — —
FCF 5Y — — — — — — — — — — — — — — — — — — — — —
OCF 3Y — — — — — — — — — — — — — — — — — — — — —
OCF 5Y — — — — — — — — — — — — — — — — — — — — —
Assets 3Y — — — — — — — — — 2.6% 2.6% 2.6% 2.6% -5.7% -5.7% -5.7% -5.7% -1.1% -1.1% -1.1% -1.06%
Assets 5Y — — — — — — — — — — — — — — — — — 2.1% 2.1% 2.1% 2.06%
Equity 3Y — — — — — — — — — -14.0% -14.0% -14.0% -14.0% -22.0% -22.0% -22.0% -22.0% 13.7% 13.7% 13.7% 13.74%
Book Value 3Y — — — — — — — — — -16.5% -14.4% -14.7% -14.9% -22.4% -23.0% -23.0% -23.0% 9.5% 9.3% 9.7% 9.67%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend 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 — — — — — 0.55 0.48 0.96 0.07 0.63 0.64 0.96 0.63 0.60 0.61 0.95 0.97 1.00 1.00 0.98 0.976
Earnings Stability — — — — — 0.51 0.61 0.71 0.56 0.22 0.21 0.26 0.22 0.09 0.09 0.05 0.03 0.00 0.00 0.03 0.026
Margin Stability — — — — — 0.70 0.71 0.78 0.74 0.72 0.73 0.78 0.76 0.73 0.74 0.91 0.93 0.73 0.75 0.78 0.776
Rev. Growth Consistency 0.00 0.50 0.50 0.50 0.00 0.00 0.00 1.00 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
Earn. Growth Consistency 0.00 0.50 0.50 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 0.00 1.00 1.00 1.00 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 0 0 1 0
Earnings Persistence — — — — — 0.20 0.20 0.50 0.50 0.50 0.50 0.50 0.50 0.83 1.00 0.50 0.20 0.20 0.20 0.20 0.200
Earnings Smoothness — 0.00 0.00 — — — — — — — — — — — — — — — — — —
ROE Trend — — — — — -0.88 -0.83 -0.33 -0.29 0.12 0.18 0.14 0.15 0.36 0.29 0.20 0.24 0.22 0.25 0.23 0.229
Gross Margin Trend — — — — — -0.32 -0.29 -0.16 -0.15 -0.08 -0.07 -0.04 -0.02 0.02 0.03 -0.03 -0.05 -0.08 -0.10 0.15 0.150
FCF Margin Trend — — — — — -0.32 -0.24 0.19 0.20 0.29 0.32 0.28 0.26 0.26 0.22 0.08 0.08 0.00 -0.02 0.00 0.003
Sustainable Growth Rate 26.8% 21.3% 13.2% — — — — — — — — — — — — — 1.1% 10.7% 13.8% 17.4% 17.42%
Internal Growth Rate 14.9% 11.3% 6.7% — — — — — — — — — — — — — 0.3% 4.1% 5.3% 6.8% 6.79%
Cash Flow Quality
Metric Trend 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 -0.55 -0.89 -2.41 2.16 1.79 1.13 1.02 0.81 0.57 0.33 -0.09 -0.14 0.24 -0.40 -0.44 -1.28 12.19 -0.25 -0.27 0.16 0.155
FCF/OCF 1.17 1.17 1.13 1.10 1.11 1.09 1.08 1.15 1.14 1.47 -1.22 -0.52 1.77 0.47 0.64 0.65 0.87 1.54 1.46 0.70 0.702
FCF/Net Income snapshot only 0.109
OCF/EBITDA snapshot only 0.074
CapEx/Revenue 1.6% 2.1% 2.5% 3.9% 4.6% 3.9% 3.1% 1.8% 1.0% 0.9% 0.9% 0.9% 0.7% 0.5% 0.5% 0.4% 0.4% 0.4% 0.5% 0.2% 0.22%
CapEx/Depreciation snapshot only 0.195
Accruals Ratio 0.20 0.19 0.21 0.13 0.12 0.03 0.00 -0.02 -0.04 -0.03 -0.04 -0.05 -0.03 -0.04 -0.06 -0.03 -0.03 0.05 0.06 0.05 0.054
Sloan Accruals snapshot only -0.040
Cash Flow Adequacy snapshot only 3.356
Earnings Quality Score snapshot only 0.250
Dividends & Buybacks
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Dividend Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Dividend/Share $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Payout Ratio 0.0% 0.0% 0.0% — — — — — — — — — — — — — 0.0% 0.0% 0.0% 0.0% 0.00%
FCF Payout Ratio — — — — — — — — — — — — — 0.0% 0.0% 0.0% 0.0% — — 0.0% 0.00%
Total Payout Ratio 0.0% 0.0% 0.0% — — — — — — — — — — — — — 0.0% 0.0% 4.0% 3.2% 3.17%
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% 0.0% 0.2% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.7% 0.9% 0.94%
Net Buyback Yield -0.1% -0.2% -0.1% -0.2% -0.5% -0.6% -0.1% 0.0% 0.0% 0.0% 0.2% 0.1% 0.1% 0.1% -0.0% -0.0% -58.1% -75.5% -90.2% -1.3% -1.25%
Total Shareholder Return -0.1% -0.2% -0.1% -0.2% -0.5% -0.6% -0.1% 0.0% 0.0% 0.0% 0.2% 0.1% 0.1% 0.1% -0.0% -0.0% -58.1% -75.5% -90.2% -1.3% -1.25%
DuPont Factors
Metric Trend 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) 0.79 0.79 0.81 0.73 0.75 0.76 0.77 0.80 0.81 0.85 0.83 0.87 0.83 1.17 2.35 1.19 0.26 0.98 1.34 0.87 0.871
Interest Burden (EBT/EBIT) 0.86 0.85 0.76 1.21 1.19 1.12 1.16 1.59 1.95 -6.03 -2.01 -1.89 -2.04 -0.45 -0.27 -0.14 0.14 0.38 0.40 0.62 0.617
EBIT Margin 0.24 0.21 0.13 -0.21 -0.26 -0.46 -0.43 -0.12 -0.08 0.01 0.03 0.03 0.02 0.05 0.05 0.06 0.07 0.08 0.07 0.09 0.089
Asset Turnover 0.79 0.73 0.76 0.63 0.64 0.56 0.57 0.66 0.68 0.80 0.86 0.92 0.99 1.10 1.14 1.21 1.23 1.25 1.28 1.33 1.325
Equity Multiplier 2.07 2.10 2.10 2.10 2.10 2.56 2.56 2.56 2.56 3.40 3.40 3.40 3.40 3.64 3.64 3.64 3.64 2.74 2.74 2.74 2.738
Per Share
Metric Trend 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) $0.88 $0.78 $0.49 $-0.90 $-1.15 $-1.82 $-1.78 $-0.80 $-0.70 $-0.35 $-0.28 $-0.30 $-0.30 $-0.20 $-0.28 $-0.08 $0.02 $0.26 $0.33 $0.42 $0.42
Book Value/Share $3.29 $4.03 $4.07 $4.07 $4.07 $2.38 $2.37 $2.35 $2.33 $2.08 $2.07 $2.04 $2.03 $1.88 $1.86 $1.86 $1.86 $3.12 $3.10 $3.10 $3.57
Tangible Book/Share $2.84 $3.29 $3.33 $3.33 $3.33 $1.91 $1.91 $1.89 $1.87 $1.76 $1.75 $1.73 $1.71 $1.56 $1.54 $1.54 $1.54 $2.87 $2.85 $2.85 $2.85
Revenue/Share $5.36 $5.65 $5.91 $4.90 $4.96 $4.63 $4.66 $5.36 $5.46 $6.02 $6.41 $6.83 $7.23 $7.84 $8.10 $8.55 $8.73 $8.29 $8.41 $8.71 $8.84
FCF/Share $-0.57 $-0.81 $-1.33 $-2.13 $-2.29 $-2.24 $-1.96 $-0.75 $-0.45 $-0.17 $-0.03 $-0.02 $-0.12 $0.04 $0.08 $0.07 $0.23 $-0.10 $-0.13 $0.05 $-0.07
OCF/Share $-0.49 $-0.70 $-1.18 $-1.94 $-2.07 $-2.06 $-1.81 $-0.65 $-0.40 $-0.12 $0.02 $0.04 $-0.07 $0.08 $0.12 $0.10 $0.26 $-0.06 $-0.09 $0.06 $-0.05
Cash/Share $2.23 $1.73 $1.75 $1.75 $1.75 $0.86 $0.86 $0.85 $0.84 $0.50 $0.50 $0.49 $0.49 $0.25 $0.25 $0.25 $0.25 $0.18 $0.17 $0.17 $0.19
EBITDA/Share $1.38 $1.26 $0.91 $-0.89 $-1.16 $-1.97 $-1.86 $-0.47 $-0.28 $0.24 $0.33 $0.33 $0.33 $0.53 $0.58 $0.63 $0.74 $0.81 $0.72 $0.88 $0.88
Debt/Share $1.88 $3.05 $3.09 $3.08 $3.08 $4.53 $4.52 $4.47 $4.44 $4.39 $4.37 $4.31 $4.28 $4.24 $4.19 $4.19 $4.19 $2.26 $2.24 $2.24 $2.24
Net Debt/Share $-0.34 $1.32 $1.34 $1.33 $1.33 $3.67 $3.66 $3.63 $3.60 $3.89 $3.87 $3.82 $3.79 $3.98 $3.94 $3.94 $3.94 $2.08 $2.06 $2.06 $2.06
Academic Models
Metric Trend 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-I Score — — — — — — — — — — — — — — — — — — — — 5.992
Altman Z-Prime snapshot only 1.279
Piotroski F-Score 2 4 5 3 2 1 0 4 3 4 4 4 3 5 4 4 6 4 4 6 6
Beneish M-Score — -1.19 -0.95 0.11 -1.35 -0.87 -2.08 -2.41 -2.35 -2.56 -2.45 -2.57 -2.49 -2.53 -2.67 -2.46 -2.48 -1.99 -1.76 -2.47 -2.467
Ohlson O-Score snapshot only -7.393
ROIC (Greenblatt) snapshot only 86.44%
Net-Net WC snapshot only $-1.79
EVA snapshot only $-57505703.40
Credit
Metric Trend 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 73.19 67.44 63.95 53.11 54.67 29.10 26.57 33.41 38.92 25.61 26.76 26.74 31.27 24.86 25.81 29.00 35.61 54.37 55.27 59.35 59.353
Credit Grade snapshot only 9
Credit Trend snapshot only 30.356
Implied Spread (bps) snapshot only 275.000
Industry Credit Rank snapshot only 29
Sector Credit Rank snapshot only 53

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