Also trades as: 0M1K.L (LSE) · $vol 0M

$62.92

-0.04 (-0.06%)

Weekly Expected Move ±2.8%

$59 $61 $63 $65 $66

NYSE · Consumer Cyclical · Travel Services · Tech Score Strong Sell · Power 40 · $3.9B mcap · 60M float · 1.28% daily turnover · Short 58% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

39.2 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.6%

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. TNL has No discernible competitive edge (39.2/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 9.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$77

Low

$83

Avg Target

$86

High

Based on 3 analysts since Jul 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 12Hold: 2Sell: 1Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$82.67

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-10	Truist Financial	Patrick Scholes	$71	$86	+15	+32.0%	$65.16
2026-08-18	Morgan Stanley	Stephen Grambling	$78	$85	+7	+14.8%	$74.05
2026-07-23	Barclays	—	$74	$77	+3	+1.9%	$75.53
2026-06-01	Goldman Sachs	Lizzie Dove	$81	$85	+4	+25.0%	$68.00
2026-05-12	Morgan Stanley	Stephen Grambling	$80	$78	-2	+22.5%	$63.67
2026-04-23	Wells Fargo	Trey Bowers	Initiated	$87	—	+32.3%	$65.78
2026-04-23	Barclays	—	$78	$74	-4	+12.5%	$65.78
2026-02-20	Deutsche Bank	Chris Woronka	$62	$90	+28	+19.8%	$75.12
2026-02-19	Goldman Sachs	—	$71	$81	+10	+7.3%	$75.51
2026-02-19	Mizuho Securities	Ben Chaiken	$86	$107	+21	+41.9%	$75.39
2026-02-19	Barclays	Brandt Montour	$70	$78	+8	+3.5%	$75.39
2026-02-18	Stifel Nicolaus	—	Initiated	$89	—	+18.2%	$75.31
2026-02-18	Oppenheimer	Ian Zaffino	Initiated	$85	—	+12.7%	$75.39
2026-01-16	Morgan Stanley	—	$68	$80	+12	+8.9%	$73.48
2025-12-17	Barclays	Brandt Montour	$63	$70	+7	-1.1%	$70.78
2025-11-14	Truist Financial	—	$60	$71	+11	+12.8%	$62.93
2025-10-23	Goldman Sachs	—	$44	$71	+27	+5.2%	$67.47
2025-10-23	Barclays	—	$54	$63	+9	-9.9%	$69.91
2025-10-23	JMP Securities	—	Initiated	$80	—	+14.4%	$69.91
2025-10-22	Mizuho Securities	—	$55	$86	+31	+23.0%	$69.91
2025-10-22	Morgan Stanley	—	Initiated	$68	—	+12.1%	$60.67
2025-07-24	Barclays	Brandt Montour	$46	$54	+8	-12.5%	$61.70
2024-10-23	Jefferies	David Katz	$79	$62	-17	+31.2%	$47.27
2024-09-17	Goldman Sachs	Lizzie Dove	Initiated	$44	—	+3.2%	$42.63
2024-09-05	Truist Financial	Patrick Scholes	Initiated	$60	—	+37.8%	$43.53
2024-07-25	Deutsche Bank	Chris Woronka	Initiated	$62	—	+35.7%	$45.68
2024-07-25	Barclays	Brandt Montour	$39	$46	+7	+3.3%	$44.53
2024-03-26	Mizuho Securities	Ben Chaiken	Initiated	$55	—	+15.4%	$47.66
2022-06-28	Barclays	Brandt Montour	Initiated	$39	—	-5.3%	$41.17
2022-04-29	Jefferies	—	Initiated	$79	—	+42.0%	$55.62

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.

C+

Oct 02, 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. TNL receives an overall rating of C+. Strongest factors: ROA (4/5). Areas of concern: ROE (1/5), D/E (1/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-01	C	C+
2026-07-25	C+	C
2026-07-22	C	C+
2026-07-20	C+	C
2026-07-10	C	C+
2026-07-06	C+	C
2026-04-21	B-	C+
2026-04-06	C+	B-
2026-04-02	B-	C+
2026-04-01	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.

★ ★ ★ ★ ★ 51 Grade B

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. TNL scores highest in Cash Flow (71/100) and lowest in Balance Sheet (28/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman Z-Score

2.30

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-2.94

Unlikely Manipulator

Ohlson O-Score

-6.12

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

Score: 41.3/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 3.54x

Accruals: -8.8%

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. TNL scores 2.30, 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. TNL 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. TNL's score of -2.94 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. TNL'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. TNL receives an estimated rating of BB (score: 41.3/100), with a deteriorating 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). TNL's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

16.87x

PEG

-0.47x

P/S

0.94x

P/B

-3.85x

P/FCF

7.11x

P/OCF

5.75x

EV/EBITDA

14.66x

EV/Revenue

2.51x

EV/EBIT

17.90x

EV/FCF

15.06x

Earnings Yield

4.91%

FCF Yield

14.07%

Shareholder Yield

14.80%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 16.9x earnings, TNL trades at a reasonable valuation.

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

0.684

NI / EBT

Interest Burden

0.606

EBT / EBIT

EBIT Margin

0.140

EBIT / Rev

Asset Turnover

0.597

Rev / Assets

Equity Multiplier

-7.325

Assets / Equity

ROE

-25.4%

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. TNL's ROE of -25.4% is driven by Asset Turnover (0.597), 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$31.91

Price/Value

2.40x

Margin of Safety

-139.53%

Premium

139.53%

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 TNL's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. TNL trades at a 140% premium to its adjusted intrinsic value of $31.91, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 16.9x.

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

$62.91

Median 1Y

$62.31

5th Pctile

$29.40

95th Pctile

$131.81

Ann. Volatility

47.2%

Analyst Target

$82.67

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

Workforce & Productivity

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

Employees

19,300

+1.6% YoY

Revenue / Employee

$208,342

Rev: $4,021,000,000

Profit / Employee

$11,917

NI: $230,000,000

SGA / Employee

$56,114

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	-22.1%	-34.8%	-36.7%	-40.4%	-42.3%	-41.8%	-41.2%	-39.1%	-37.4%	-43.4%	-41.8%	-45.7%	-45.0%	-45.7%	-45.7%	-45.7%	-48.8%	-24.8%	-24.6%	-25.4%	-25.44%
ROA	2.8%	4.4%	5.0%	5.5%	5.8%	5.4%	5.7%	5.6%	5.5%	5.9%	5.9%	6.5%	6.3%	6.1%	6.1%	5.9%	6.0%	3.4%	3.5%	3.5%	3.47%
ROIC	8.1%	10.6%	11.3%	12.1%	11.9%	11.2%	11.7%	11.3%	11.6%	12.8%	13.0%	13.1%	12.8%	11.8%	12.0%	12.3%	12.5%	11.4%	9.5%	9.6%	9.65%
ROCE	10.0%	11.6%	12.7%	13.6%	14.0%	12.1%	13.5%	13.4%	13.4%	13.2%	13.1%	14.1%	13.7%	13.7%	13.9%	14.2%	14.5%	9.8%	10.5%	10.6%	10.59%
Gross Margin	51.6%	51.6%	45.9%	49.5%	49.2%	49.2%	46.0%	48.7%	49.3%	50.2%	44.9%	49.6%	50.1%	51.1%	46.3%	49.7%	55.2%	14.4%	54.1%	57.0%	57.01%
Operating Margin	22.2%	22.4%	14.5%	20.1%	20.2%	18.0%	15.7%	19.3%	21.0%	20.4%	16.4%	19.2%	19.0%	21.2%	16.7%	20.2%	20.5%	3.8%	16.5%	19.8%	19.76%
Net Margin	12.0%	12.3%	6.3%	10.8%	12.4%	10.1%	7.3%	9.9%	11.2%	13.8%	7.2%	13.1%	9.8%	12.3%	7.8%	10.6%	10.6%	-5.9%	8.2%	10.3%	10.25%
EBITDA Margin	26.0%	26.7%	18.7%	22.8%	25.6%	22.1%	19.5%	22.6%	24.3%	23.9%	20.1%	22.7%	22.5%	25.3%	20.1%	23.6%	23.9%	1.6%	20.4%	22.6%	22.58%
FCF Margin	18.3%	16.3%	17.4%	13.1%	9.8%	10.9%	7.0%	7.3%	8.5%	7.4%	8.2%	9.9%	11.2%	9.9%	11.7%	12.6%	20.2%	20.3%	18.2%	16.7%	16.66%
OCF Margin	20.1%	18.1%	19.0%	14.8%	11.3%	12.4%	8.5%	8.8%	10.0%	9.3%	10.3%	12.1%	13.5%	12.0%	13.9%	15.2%	24.4%	24.7%	22.5%	20.6%	20.59%
ROA 3Y Avg	snapshot only																				5.26%
ROIC 3Y Avg	snapshot only																				7.58%
ROIC Economic	snapshot only																				9.23%
Cash ROA	snapshot only																				12.22%
Cash ROIC	snapshot only																				19.12%
CROIC	snapshot only																				15.47%
NOPAT Margin	snapshot only																				10.39%
Pretax Margin	snapshot only																				8.50%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				27.72%
SBC / Revenue	snapshot only																				1.61%

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	19.55	13.24	12.99	7.98	6.63	7.19	7.36	7.50	6.85	6.59	8.22	6.92	7.32	8.16	7.34	8.50	9.55	19.57	18.90	20.36	16.869
P/S Ratio	1.38	1.31	1.30	0.83	0.70	0.72	0.75	0.75	0.66	0.70	0.87	0.79	0.80	0.87	0.79	0.86	0.99	1.12	1.11	1.18	0.942
P/B Ratio	-4.68	-5.11	-5.25	-3.35	-2.72	-2.82	-2.77	-2.70	-2.44	-2.85	-3.54	-3.39	-3.57	-3.81	-3.40	-3.96	-4.78	-4.60	-4.38	-4.76	-3.847
P/FCF	7.53	8.01	7.47	6.34	7.15	6.60	10.75	10.29	7.81	9.47	10.54	7.97	7.20	8.76	6.78	6.82	4.90	5.53	6.08	7.11	7.105
P/OCF	6.85	7.20	6.82	5.64	6.20	5.82	8.86	8.50	6.59	7.47	8.41	6.52	5.95	7.23	5.71	5.66	4.06	4.55	4.92	5.75	5.748
EV/EBITDA	14.00	12.14	11.78	9.67	9.10	9.71	9.74	9.82	9.52	9.48	10.12	9.65	9.90	10.08	9.69	9.75	10.04	13.24	14.24	14.66	14.656
EV/Revenue	3.10	2.92	2.79	2.28	2.14	2.18	2.20	2.21	2.11	2.15	2.30	2.20	2.21	2.29	2.20	2.23	2.34	2.28	2.46	2.51	2.509
EV/EBIT	17.42	14.56	13.99	11.40	10.67	11.40	11.36	11.40	11.02	10.94	11.65	11.09	11.44	11.60	11.18	11.26	11.55	16.13	17.36	17.90	17.898
EV/FCF	16.93	17.89	16.06	17.36	21.86	19.91	31.45	30.43	24.90	29.17	28.05	22.32	19.77	23.08	18.85	17.68	11.56	11.22	13.54	15.06	15.064
Earnings Yield	5.1%	7.6%	7.7%	12.5%	15.1%	13.9%	13.6%	13.3%	14.6%	15.2%	12.2%	14.4%	13.7%	12.3%	13.6%	11.8%	10.5%	5.1%	5.3%	4.9%	4.91%
FCF Yield	13.3%	12.5%	13.4%	15.8%	14.0%	15.1%	9.3%	9.7%	12.8%	10.6%	9.5%	12.5%	13.9%	11.4%	14.8%	14.7%	20.4%	18.1%	16.4%	14.1%	14.07%
EV/OCF	snapshot only																				12.187
EV/Gross Profit	snapshot only																				5.553
Acquirers Multiple	snapshot only																				16.517
Shareholder Yield	snapshot only																				14.80%

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	3.10	3.90	3.11	3.01	3.19	4.18	3.33	3.30	3.35	4.07	3.67	3.51	3.55	4.09	3.63	3.48	1.23	1.64	1.15	3.15	3.150
Quick Ratio	2.19	2.86	2.30	2.16	2.32	3.13	2.43	2.43	2.48	3.10	2.77	2.57	2.61	3.04	2.66	2.54	0.30	0.44	0.29	2.35	2.352
Debt/Equity	-6.23	-6.80	-6.51	-6.11	-5.79	-6.30	-5.54	-5.50	-5.58	-6.25	-6.40	-6.30	-6.47	-6.44	-6.27	-6.56	-6.79	-5.00	-5.62	-5.60	-5.604
Net Debt/Equity	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Debt/Assets	0.81	0.83	0.81	0.81	0.83	0.85	0.84	0.84	0.84	0.85	0.84	0.83	0.83	0.84	0.84	0.82	0.81	0.73	0.84	0.83	0.828
Debt/EBITDA	8.31	7.24	6.79	6.44	6.33	7.19	6.65	6.76	6.82	6.75	6.87	6.40	6.52	6.47	6.42	6.23	6.04	7.08	8.21	8.15	8.146
Net Debt/EBITDA	7.77	6.71	6.30	6.14	6.13	6.49	6.41	6.50	6.53	6.40	6.32	6.21	6.30	6.26	6.21	5.99	5.78	6.72	7.85	7.74	7.743
Interest Coverage	2.57	3.19	3.46	3.60	3.70	3.51	3.43	3.24	3.03	2.93	2.91	2.93	2.87	3.05	3.14	3.28	3.43	1.55	1.57	1.56	1.560
Equity Multiplier	-7.70	-8.22	-8.06	-7.58	-7.00	-7.40	-6.58	-6.51	-6.60	-7.34	-7.58	-7.56	-7.77	-7.64	-7.49	-7.99	-8.39	-6.88	-6.69	-6.77	-6.767
Cash Ratio	snapshot only																				0.191
Debt Service Coverage	snapshot only																				1.905
Cash to Debt	snapshot only																				0.049
FCF to Debt	snapshot only																				0.119
Defensive Interval	snapshot only																				898.5 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	0.40	0.44	0.50	0.52	0.55	0.53	0.56	0.56	0.57	0.56	0.56	0.58	0.57	0.57	0.56	0.58	0.58	0.60	0.60	0.60	0.597
Inventory Turnover	1.12	1.22	1.34	1.37	1.49	1.53	1.64	1.62	1.67	1.66	1.67	1.67	1.67	1.67	1.64	1.62	1.58	2.00	1.91	1.85	1.846
Receivables Turnover	23.55	25.48	25.80	27.30	24.23	24.52	24.01	24.26	21.16	22.12	22.02	22.76	22.80	23.14	21.69	22.31	24.41	25.14	25.07	25.04	25.040
Payables Turnover	24.89	25.19	25.81	27.48	28.59	28.93	29.28	27.07	28.01	27.94	31.08	32.78	31.16	28.17	29.83	33.36	32.35	36.59	35.37	35.06	35.062
DSO	15	14	14	13	15	15	15	15	17	16	17	16	16	16	17	16	15	15	15	15	14.6 days
DIO	326	299	273	267	245	239	223	225	218	220	219	218	219	219	223	226	231	182	191	198	197.7 days
DPO	15	14	14	13	13	13	12	13	13	13	12	11	12	13	12	11	11	10	10	10	10.4 days
Cash Conversion Cycle	327	299	273	267	247	242	225	227	222	224	223	223	223	221	228	231	235	187	195	202	201.9 days
Fixed Asset Turnover	snapshot only																				7.813
Operating Cycle	snapshot only																				212.3 days
Cash Velocity	snapshot only																				14.518
Capital Intensity	snapshot only																				1.684

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	16.5%	45.1%	48.7%	28.2%	21.6%	13.8%	9.7%	6.5%	4.9%	5.1%	4.1%	4.3%	3.2%	3.1%	2.5%	2.4%	3.6%	4.1%	4.3%	4.5%	4.55%
Net Income	3.3%	2.2%	4.6%	1.5%	82.4%	15.9%	12.1%	1.7%	-4.0%	10.9%	7.5%	18.9%	17.3%	3.5%	4.8%	-8.5%	-2.4%	-43.8%	-43.3%	-40.1%	-40.05%
EPS	3.2%	2.2%	4.6%	1.5%	90.7%	25.8%	24.5%	15.4%	9.0%	22.8%	17.0%	26.4%	22.9%	8.8%	10.6%	-2.3%	3.1%	-39.3%	-40.3%	-37.1%	-37.12%
FCF	99.3%	67.5%	71.9%	-5.6%	-34.8%	-23.7%	-55.9%	-41.2%	-9.2%	-29.2%	22.4%	41.7%	35.9%	38.8%	45.7%	31.3%	87.1%	1.1%	62.7%	37.8%	37.78%
EBITDA	1.9%	16.5%	1.9%	53.6%	29.5%	6.2%	4.5%	1.6%	-1.1%	6.1%	5.1%	5.8%	3.8%	3.3%	2.2%	2.9%	8.0%	-21.0%	-20.4%	-21.9%	-21.85%
Op. Income	6.4%	6.8%	4.3%	76.5%	34.8%	5.5%	3.9%	-1.6%	0.6%	10.1%	8.5%	9.7%	4.2%	2.1%	1.2%	2.7%	8.8%	-16.2%	-16.5%	-17.8%	-17.83%
OCF Growth	snapshot only																				41.44%
Asset Growth	snapshot only																				1.28%
Debt Growth	snapshot only																				2.20%
Shares Change	snapshot only																				-4.66%
Dividend Growth	snapshot only																				61.97%

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	-13.6%	-9.4%	-5.6%	-4.7%	-4.2%	-4.1%	-0.4%	7.0%	14.2%	20.2%	19.3%	12.5%	9.6%	7.2%	5.4%	4.4%	3.9%	4.1%	3.6%	3.8%	3.77%
Revenue 5Y	-12.2%	-11.0%	-10.0%	-9.6%	-9.2%	-8.9%	-8.1%	-6.3%	-3.8%	-2.3%	-0.8%	-0.8%	-1.0%	-0.9%	1.1%	5.6%	9.7%	13.2%	12.7%	8.8%	8.81%
EPS 3Y	-38.6%	-20.2%	-20.5%	-5.6%	-3.0%	-7.6%	12.0%	3.4%	—	—	—	54.8%	36.7%	18.9%	17.2%	12.5%	11.4%	-6.8%	-8.2%	-8.1%	-8.09%
EPS 5Y	-15.3%	-9.0%	-9.3%	-5.8%	-6.8%	-13.5%	-10.5%	-15.5%	-13.6%	-4.7%	-6.1%	4.2%	4.1%	1.0%	12.7%	1.5%	—	—	—	17.9%	17.90%
Net Income 3Y	-41.2%	-22.8%	-22.7%	-8.2%	-6.0%	-11.0%	8.2%	3.2%	—	—	—	44.4%	27.1%	10.0%	8.1%	3.4%	3.2%	-13.6%	-13.9%	-13.3%	-13.28%
Net Income 5Y	-19.0%	-12.8%	-12.8%	-9.3%	-10.6%	-17.5%	-14.9%	-20.2%	-18.7%	-10.0%	-11.1%	-1.3%	-1.4%	-4.1%	7.4%	1.4%	—	—	—	10.6%	10.57%
EBITDA 3Y	4.9%	2.3%	1.9%	-2.1%	-1.2%	-6.0%	6.8%	30.9%	55.8%	1.7%	47.6%	18.2%	10.0%	5.2%	3.9%	3.4%	3.5%	-4.7%	-5.1%	-5.2%	-5.25%
EBITDA 5Y	-12.9%	-10.7%	-9.7%	-5.0%	-1.2%	5.6%	9.6%	8.6%	8.1%	3.8%	3.1%	0.2%	-0.2%	-1.9%	5.5%	19.6%	33.5%	74.4%	21.2%	5.8%	5.83%
Gross Profit 3Y	-10.2%	-8.0%	-6.7%	-5.9%	-5.6%	-6.3%	-0.8%	8.0%	16.0%	24.3%	19.3%	11.7%	8.7%	6.4%	5.1%	4.2%	5.0%	-1.3%	-0.2%	1.5%	1.50%
Gross Profit 5Y	-12.6%	-3.3%	-0.1%	3.5%	8.9%	-2.3%	-2.1%	-2.2%	-2.2%	-2.0%	-2.1%	-2.0%	-2.0%	-2.1%	1.2%	6.6%	11.9%	11.9%	10.2%	6.8%	6.77%
Op. Income 3Y	8.7%	5.8%	5.0%	-0.5%	-1.1%	-7.0%	8.3%	45.3%	1.2%	—	81.6%	24.0%	12.2%	5.8%	4.5%	3.5%	4.5%	-2.0%	-2.8%	-2.5%	-2.54%
Op. Income 5Y	-12.8%	-10.1%	-9.1%	-3.6%	0.5%	8.0%	13.2%	11.9%	11.7%	6.6%	5.5%	1.2%	0.3%	-2.0%	6.9%	28.2%	62.5%	—	38.3%	10.0%	9.96%
FCF 3Y	-3.1%	14.2%	15.9%	15.4%	5.4%	4.3%	0.8%	6.5%	5.7%	-3.3%	-2.4%	-7.7%	-7.0%	-9.2%	-7.7%	3.1%	32.2%	28.0%	42.6%	36.9%	36.87%
FCF 5Y	-6.9%	-8.2%	-5.6%	-9.6%	-12.4%	-14.1%	-19.2%	-12.4%	-11.6%	-4.3%	-3.4%	5.1%	7.7%	2.2%	12.8%	17.6%	24.6%	21.8%	17.1%	7.3%	7.32%
OCF 3Y	-4.7%	8.7%	11.0%	8.1%	-0.6%	-0.7%	-4.8%	0.5%	1.6%	-2.2%	-0.4%	-4.8%	-4.0%	-6.5%	-5.2%	5.5%	34.2%	31.0%	43.5%	37.8%	37.82%
OCF 5Y	-9.4%	-10.2%	-7.9%	-11.4%	-14.1%	-14.8%	-19.0%	-12.5%	-11.2%	-4.6%	-3.3%	2.8%	4.9%	0.5%	8.5%	13.5%	22.1%	21.6%	18.2%	9.6%	9.56%
Assets 3Y	-2.5%	-2.7%	-3.6%	-4.6%	-5.5%	-3.2%	-5.9%	-4.6%	-5.2%	-4.0%	1.4%	0.3%	0.5%	0.7%	0.8%	1.7%	2.6%	0.0%	1.8%	1.5%	1.46%
Assets 5Y	-7.5%	-7.7%	-8.6%	-8.9%	-9.1%	-8.3%	-10.2%	-1.4%	-1.4%	-1.2%	-1.0%	-2.2%	-2.4%	-2.0%	-2.8%	-2.2%	-2.5%	-2.3%	0.3%	0.8%	0.76%
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividend 3Y	-7.9%	-4.4%	2.0%	9.3%	11.7%	11.4%	8.8%	6.9%	6.2%	6.3%	6.5%	7.7%	8.6%	9.7%	10.5%	11.1%	26.6%	26.2%	23.7%	22.5%	22.51%

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	0.78	0.75	0.72	0.60	0.50	0.43	0.30	0.07	0.00	0.01	0.00	0.00	0.00	0.26	0.98	0.88	0.85	0.84	0.89	0.889
Earnings Stability	0.44	0.47	0.56	0.38	0.38	0.40	0.39	0.30	0.22	0.05	0.04	0.11	0.13	0.09	0.36	0.79	0.72	0.35	0.29	0.10	0.101
Margin Stability	0.94	0.84	0.80	0.75	0.69	0.84	0.87	0.91	0.95	0.95	0.97	0.97	0.98	0.97	0.99	0.98	0.97	0.93	0.95	0.96	0.963
Rev. Growth Consistency	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	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.000
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	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.99	0.98	0.96	0.97	0.92	0.93	0.99	0.98	0.97	0.99	0.82	0.83	0.84	0.840
Earnings Smoothness	—	—	—	0.15	0.42	0.85	0.89	0.98	0.96	0.90	0.93	0.83	0.84	0.97	0.95	0.91	0.98	0.44	0.45	0.50	0.499
ROE Trend	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Margin Trend	0.01	0.02	0.01	0.01	0.01	0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	0.00	0.00	0.01	0.01	0.02	-0.07	-0.06	-0.04	-0.037
FCF Margin Trend	0.09	0.05	0.06	0.01	-0.05	-0.04	-0.09	-0.08	-0.06	-0.06	-0.04	-0.00	0.02	0.01	0.04	0.04	0.10	0.12	0.08	0.05	0.054
Sustainable Growth Rate	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Internal Growth Rate	1.4%	2.9%	3.3%	3.7%	3.9%	3.5%	3.7%	3.6%	3.5%	4.0%	4.0%	4.7%	4.4%	4.2%	4.1%	3.8%	2.8%	0.1%	0.1%	0.2%	0.16%

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	2.85	1.84	1.91	1.42	1.07	1.23	0.83	0.88	1.04	0.88	0.98	1.06	1.23	1.13	1.29	1.50	2.35	4.30	3.84	3.54	3.542
FCF/OCF	0.91	0.90	0.91	0.89	0.87	0.88	0.82	0.83	0.84	0.79	0.80	0.82	0.83	0.83	0.84	0.83	0.83	0.82	0.81	0.81	0.809
FCF/Net Income	snapshot only																				2.866
OCF/EBITDA	snapshot only																				1.203
CapEx/Revenue	1.8%	1.8%	1.7%	1.6%	1.5%	1.5%	1.5%	1.5%	1.6%	2.0%	2.1%	2.2%	2.3%	2.1%	2.2%	2.6%	4.2%	4.4%	4.3%	3.9%	3.93%
CapEx/Depreciation	snapshot only																				1.268
Accruals Ratio	-0.05	-0.04	-0.05	-0.02	-0.00	-0.01	0.01	0.01	-0.00	0.01	0.00	-0.00	-0.01	-0.01	-0.02	-0.03	-0.08	-0.11	-0.10	-0.09	-0.088
Sloan Accruals	snapshot only																				-0.036
Cash Flow Adequacy	snapshot only																				2.173
Earnings Quality Score	snapshot only																				0.750

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	2.6%	2.7%	2.7%	4.4%	5.4%	5.2%	5.0%	5.0%	5.5%	5.2%	4.2%	4.6%	4.5%	4.2%	4.7%	4.4%	5.8%	5.0%	5.1%	4.7%	3.75%
Dividend/Share	$1.20	$1.25	$1.36	$1.47	$1.59	$1.68	$1.75	$1.80	$1.85	$1.87	$1.90	$1.94	$1.99	$2.05	$2.13	$2.21	$3.40	$3.54	$3.51	$3.58	$2.36
Payout Ratio	51.2%	35.3%	35.6%	35.1%	35.6%	37.7%	36.9%	37.3%	37.9%	34.3%	34.3%	31.8%	33.3%	34.5%	34.7%	37.0%	55.0%	98.3%	95.8%	95.4%	95.38%
FCF Payout Ratio	19.7%	21.3%	20.5%	27.9%	38.3%	34.6%	53.9%	51.1%	43.2%	49.3%	44.1%	36.6%	32.7%	37.1%	32.0%	29.7%	28.2%	27.8%	30.8%	33.3%	33.28%
Total Payout Ratio	51.2%	43.4%	56.8%	77.4%	1.1%	1.4%	1.5%	1.5%	1.4%	1.1%	92.7%	78.1%	81.2%	91.5%	1.0%	1.1%	1.6%	3.0%	2.9%	3.0%	3.01%
Div. Increase Streak	0	0	0	0	0	0	0	1	1	1	0	1	1	1	0	1	1	1	1	1	1
Chowder Number	-0.29	-0.18	0.00	0.24	0.32	0.29	0.21	0.13	0.08	0.06	0.04	0.06	0.07	0.09	0.11	0.11	0.67	0.65	0.62	0.59	0.591
Buyback Yield	0.0%	0.6%	1.6%	5.3%	10.7%	13.6%	14.9%	15.6%	15.5%	11.8%	7.1%	6.7%	6.6%	7.0%	9.1%	8.3%	11.1%	10.1%	10.5%	10.1%	10.11%
Net Buyback Yield	-0.2%	0.3%	1.4%	5.0%	10.3%	13.2%	14.5%	15.2%	15.0%	11.5%	6.8%	6.4%	6.2%	6.5%	8.5%	7.9%	10.1%	9.2%	9.9%	9.5%	9.51%
Total Shareholder Return	2.4%	3.0%	4.2%	9.4%	15.6%	18.5%	19.6%	20.2%	20.6%	16.7%	11.0%	11.0%	10.7%	10.8%	13.3%	12.2%	15.9%	14.2%	15.0%	14.2%	14.20%

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)	0.65	0.72	0.71	0.72	0.72	0.74	0.74	0.74	0.75	0.82	0.81	0.87	0.87	0.80	0.80	0.74	0.72	0.68	0.69	0.68	0.684
Interest Burden (EBT/EBIT)	0.61	0.68	0.71	0.72	0.73	0.72	0.71	0.69	0.67	0.66	0.66	0.66	0.65	0.67	0.68	0.69	0.71	0.59	0.60	0.61	0.606
EBIT Margin	0.18	0.20	0.20	0.20	0.20	0.19	0.19	0.19	0.19	0.20	0.20	0.20	0.19	0.20	0.20	0.20	0.20	0.14	0.14	0.14	0.140
Asset Turnover	0.40	0.44	0.50	0.52	0.55	0.53	0.56	0.56	0.57	0.56	0.56	0.58	0.57	0.57	0.56	0.58	0.58	0.60	0.60	0.60	0.597
Equity Multiplier	-7.77	-8.00	-7.40	-7.37	-7.34	-7.79	-7.25	-7.00	-6.79	-7.37	-7.07	-7.00	-7.14	-7.49	-7.54	-7.77	-8.07	-7.24	-7.06	-7.32	-7.325

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)	$2.35	$3.54	$3.80	$4.19	$4.47	$4.45	$4.74	$4.83	$4.88	$5.46	$5.54	$6.11	$6.00	$5.94	$6.13	$5.97	$6.18	$3.60	$3.66	$3.75	$3.75
Book Value/Share	$-9.81	$-9.16	$-9.41	$-9.96	$-10.90	$-11.34	$-12.57	$-13.43	$-13.70	$-12.63	$-12.86	$-12.46	$-12.28	$-12.73	$-13.24	$-12.81	$-12.35	$-15.32	$-15.80	$-16.07	$-16.37
Tangible Book/Share	$-23.35	$-22.67	$-22.94	$-23.59	$-24.78	$-25.78	$-27.48	$-28.86	$-29.46	$-28.60	$-29.39	$-29.14	$-29.17	$-29.71	$-30.50	$-30.56	$-30.02	$-33.62	$-33.88	$-34.51	$-34.51
Revenue/Share	$33.28	$35.86	$38.10	$40.14	$42.32	$44.31	$46.45	$48.53	$50.45	$51.58	$52.60	$53.85	$54.56	$55.85	$56.94	$58.89	$59.65	$62.75	$62.53	$64.57	$65.71
FCF/Share	$6.09	$5.85	$6.62	$5.27	$4.15	$4.84	$3.24	$3.52	$4.28	$3.80	$4.32	$5.31	$6.10	$5.53	$6.64	$7.44	$12.05	$12.76	$11.38	$10.76	$10.95
OCF/Share	$6.69	$6.50	$7.25	$5.93	$4.78	$5.49	$3.93	$4.26	$5.07	$4.81	$5.42	$6.49	$7.38	$6.71	$7.89	$8.96	$14.54	$15.49	$14.05	$13.30	$13.53
Cash/Share	$3.96	$4.53	$4.38	$2.81	$2.02	$6.98	$2.50	$2.83	$3.23	$4.07	$6.65	$2.34	$2.76	$2.66	$2.76	$3.19	$3.61	$3.95	$3.92	$4.45	$4.53
EBITDA/Share	$7.36	$8.62	$9.02	$9.46	$9.96	$9.94	$10.47	$10.91	$11.20	$11.68	$11.97	$12.28	$12.18	$12.67	$12.92	$13.49	$13.88	$10.81	$10.83	$11.06	$11.06
Debt/Share	$61.13	$62.35	$61.24	$60.92	$63.07	$71.47	$69.66	$73.80	$76.39	$78.86	$82.28	$78.55	$79.44	$81.94	$82.96	$84.02	$83.88	$76.57	$88.86	$90.06	$90.06
Net Debt/Share	$57.17	$57.81	$56.86	$58.11	$61.05	$64.48	$67.15	$70.97	$73.15	$74.79	$75.62	$76.21	$76.68	$79.28	$80.21	$80.83	$80.27	$72.62	$84.94	$85.62	$85.62

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.301
Altman Z-Prime	snapshot only																				5.417
Piotroski F-Score	7	7	6	7	7	7	7	6	7	7	5	9	9	9	8	7	7	6	6	6	6
Beneish M-Score	-2.69	11.82	-2.65	-2.58	-2.46	-2.50	-2.39	-2.37	-2.42	-2.36	-2.38	-2.48	-2.53	-2.50	-2.57	-2.60	-2.14	-1.47	-3.08	-2.94	-2.941
Ohlson O-Score	snapshot only																				-6.119
Net-Net WC	snapshot only																				$-51.44
EVA	snapshot only																				$-15509195.40

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	20.00	20.00	20.00	20.00	20.00	20.00	49.06	47.69	46.67	41.73	41.26	42.20	40.93	45.42	45.26	45.87	38.76	33.58	23.73	41.29	41.285
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				-4.588
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				35
Sector Credit Rank	snapshot only																				31

TNL NYSE

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

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