฿14.80 ($0.44)

+0.00 (+0.00%)

Weekly Expected Move ±2.8%

฿14 ฿14 ฿15 ฿15 ฿16

SET · Basic Materials · Chemicals - Specialty · Tech Score Sell · Power 35 · ฿28.7B mcap · 399M float · 1.11% daily turnover

Overview Chart Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ETF Exposure

Financial Rating

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

Oct 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. TOA.BK receives an overall rating of A. Strongest factors: DCF (5/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5).

Rating Change History

Date	From	To
2026-10-01	A+	A
2026-08-03	A	A+
2026-07-01	A+	A
2026-05-18	A	A+
2026-04-16	None	ADDED
2026-04-15	EXISTED	None
2026-02-18	A-	A
2026-01-30	A	A-
2026-01-05	None	ADDED
2026-01-04	EXISTED	None

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.

★ ★ ★ ★ ★ 78 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. TOA.BK scores highest in Safety (100/100) and lowest in Growth (61/100). An overall grade of A+ places TOA.BK among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman Z-Score

4.93

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✗

Beneish M-Score

-2.75

Unlikely Manipulator

Ohlson O-Score

-11.35

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 96.0/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.33x

Accruals: -4.8%

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. TOA.BK scores 4.93, placing it in the Safe Zone (safe > 2.99, distress < 1.81). 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. TOA.BK scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. TOA.BK's score of -2.75 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. TOA.BK's implied 0.0% 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. TOA.BK receives an estimated rating of AAA (score: 96.0/100), with a stable 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). TOA.BK'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

8.97x

PEG

0.15x

P/S

1.30x

P/B

1.85x

P/FCF

7.75x

P/OCF

6.67x

EV/EBITDA

4.10x

EV/Revenue

0.90x

EV/EBIT

4.85x

EV/FCF

5.39x

Earnings Yield

11.24%

FCF Yield

12.90%

Shareholder Yield

4.51%

Graham Number

$17.24

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 9.0x earnings, TOA.BK trades at a deep value multiple. An earnings yield of 11.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $17.24 per share, suggesting a potential 17% 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

0.782

NI / EBT

Interest Burden

1.004

EBT / EBIT

EBIT Margin

0.185

EBIT / Rev

Asset Turnover

0.991

Rev / Assets

Equity Multiplier

1.520

Assets / Equity

ROE

21.9%

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. TOA.BK's ROE of 21.9% is driven by Asset Turnover (0.991), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$63.61

Price/Value

0.23x

Margin of Safety

76.89%

Premium

-76.89%

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 TOA.BK's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. TOA.BK actually compounded EPS at 18.6% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. At an intrinsic value of $63.61, TOA.BK appears undervalued with a 77% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 9.0x.

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 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$14.80

Median 1Y

$12.80

5th Pctile

$7.37

95th Pctile

$22.21

Ann. Volatility

35.1%

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

All Ratios & Metrics

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

Profitability

Metric	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	17.2%	16.5%	13.6%	12.2%	13.0%	11.3%	12.5%	15.2%	17.6%	19.1%	19.3%	17.9%	14.9%	13.8%	12.9%	14.6%	18.6%	20.7%	21.4%	21.9%	21.92%
ROA	11.5%	11.2%	9.0%	8.0%	8.4%	7.5%	8.2%	9.9%	11.4%	12.7%	12.7%	11.7%	9.8%	9.1%	8.5%	9.6%	12.4%	13.8%	14.4%	14.4%	14.42%
ROIC	29.8%	29.7%	24.0%	22.7%	22.6%	21.4%	25.8%	28.3%	31.7%	35.0%	35.5%	30.4%	25.4%	24.4%	25.5%	28.4%	34.3%	39.1%	45.4%	47.5%	47.51%
ROCE	17.4%	16.8%	14.4%	13.5%	14.5%	12.9%	14.3%	16.9%	19.3%	21.1%	21.2%	20.8%	18.2%	16.9%	16.0%	17.1%	20.7%	22.5%	22.3%	23.3%	23.32%
Gross Margin	30.2%	30.2%	29.3%	30.0%	27.9%	29.1%	32.9%	34.5%	33.8%	34.3%	35.8%	34.4%	34.0%	34.0%	37.2%	38.0%	37.9%	40.4%	40.4%	40.1%	40.05%
Operating Margin	8.3%	12.8%	11.7%	11.4%	9.1%	9.8%	15.1%	17.5%	16.2%	13.3%	15.9%	12.4%	6.0%	12.0%	17.4%	15.8%	16.4%	19.3%	20.1%	18.3%	18.31%
Net Margin	6.7%	10.1%	8.2%	7.0%	7.0%	5.3%	11.2%	13.6%	12.1%	9.5%	14.8%	8.8%	3.7%	8.6%	13.5%	12.1%	13.1%	15.3%	16.9%	12.9%	12.86%
EBITDA Margin	12.2%	16.5%	14.9%	14.5%	12.5%	11.2%	18.3%	20.5%	19.6%	15.4%	23.2%	16.1%	9.7%	15.6%	20.7%	19.2%	20.0%	22.6%	23.4%	21.6%	21.65%
FCF Margin	13.0%	12.2%	7.0%	5.9%	4.6%	3.9%	7.7%	8.3%	10.3%	12.3%	11.1%	8.8%	9.3%	10.4%	9.6%	13.1%	13.0%	15.3%	16.7%	16.7%	16.70%
OCF Margin	15.1%	14.4%	9.3%	8.3%	7.3%	6.6%	10.2%	12.8%	15.2%	17.3%	16.4%	12.3%	12.5%	13.6%	12.8%	16.3%	16.6%	18.5%	19.8%	19.4%	19.42%
ROE 3Y Avg	snapshot only																				17.69%
ROE 5Y Avg	snapshot only																				15.93%
ROA 3Y Avg	snapshot only																				11.64%
ROIC 3Y Avg	snapshot only																				37.69%
ROIC Economic	snapshot only																				20.09%
Cash ROA	snapshot only																				18.20%
Cash ROIC	snapshot only																				62.70%
CROIC	snapshot only																				53.95%
NOPAT Margin	snapshot only																				14.71%
Pretax Margin	snapshot only																				18.62%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				21.16%
SBC / Revenue	snapshot only																				0.00%

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	31.06	29.79	31.96	35.24	38.74	43.70	34.67	25.00	18.50	16.42	13.75	14.95	18.27	14.82	11.52	10.29	10.77	9.04	8.03	8.90	8.970
P/S Ratio	3.60	3.31	2.99	2.84	3.11	2.99	2.66	2.33	1.95	1.90	1.71	1.69	1.70	1.35	1.01	0.99	1.28	1.22	1.16	1.30	1.304
P/B Ratio	5.16	4.74	4.27	4.20	4.90	4.82	4.22	3.67	3.12	3.00	2.52	2.64	2.76	2.08	1.55	1.52	1.98	1.82	1.62	1.84	1.851
P/FCF	27.68	27.20	42.90	48.27	67.33	76.41	34.30	27.93	18.86	15.40	15.38	19.19	18.35	12.96	10.52	7.52	9.80	8.00	6.95	7.75	7.753
P/OCF	23.77	23.02	32.19	34.06	42.80	45.05	26.03	18.21	12.82	10.99	10.42	13.76	13.64	9.91	7.88	6.06	7.71	6.59	5.86	6.67	6.671
EV/EBITDA	18.92	17.64	17.48	17.39	19.66	20.73	16.66	13.04	9.70	8.77	7.05	7.66	8.93	6.51	4.58	4.19	5.23	4.38	3.58	4.10	4.101
EV/Revenue	3.25	2.96	2.67	2.54	2.86	2.74	2.37	2.05	1.69	1.61	1.38	1.42	1.45	1.06	0.72	0.69	0.99	0.91	0.76	0.90	0.900
EV/EBIT	23.81	22.28	23.03	24.14	26.90	29.40	22.65	16.41	11.94	10.43	8.31	9.22	11.15	8.38	5.95	5.34	6.42	5.26	4.26	4.85	4.855
EV/FCF	25.05	24.33	38.37	43.18	61.88	70.12	30.55	24.59	16.33	13.11	12.42	16.14	15.63	10.21	7.48	5.24	7.59	5.93	4.58	5.39	5.389
Earnings Yield	3.2%	3.4%	3.1%	2.8%	2.6%	2.3%	2.9%	4.0%	5.4%	6.1%	7.3%	6.7%	5.5%	6.7%	8.7%	9.7%	9.3%	11.1%	12.4%	11.2%	11.24%
FCF Yield	3.6%	3.7%	2.3%	2.1%	1.5%	1.3%	2.9%	3.6%	5.3%	6.5%	6.5%	5.2%	5.5%	7.7%	9.5%	13.3%	10.2%	12.5%	14.4%	12.9%	12.90%
PEG Ratio	snapshot only																				0.149
Price/Tangible Book	snapshot only																				1.887
EV/OCF	snapshot only																				4.636
EV/Gross Profit	snapshot only																				2.266
Acquirers Multiple	snapshot only																				4.855
Shareholder Yield	snapshot only																				4.51%
Graham Number	snapshot only																				$17.24

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	2.86	3.00	3.00	2.81	2.70	3.04	3.04	2.89	2.97	3.00	2.90	2.92	2.91	2.87	2.95	2.88	2.96	3.03	3.10	2.86	2.861
Quick Ratio	2.27	2.43	2.36	2.16	1.97	2.30	2.42	2.29	2.36	2.43	2.30	2.26	2.19	2.22	2.31	2.24	2.29	2.45	2.54	2.24	2.240
Debt/Equity	0.12	0.12	0.10	0.10	0.10	0.10	0.10	0.11	0.11	0.10	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.12	0.07	0.07	0.068
Net Debt/Equity	-0.49	-0.50	-0.45	-0.44	-0.40	-0.40	-0.46	-0.44	-0.42	-0.45	-0.48	-0.42	-0.41	-0.44	-0.45	-0.46	-0.45	-0.47	-0.55	-0.56	-0.561
Debt/Assets	0.08	0.08	0.07	0.06	0.06	0.06	0.06	0.07	0.07	0.07	0.06	0.07	0.06	0.06	0.06	0.06	0.06	0.08	0.05	0.04	0.045
Debt/EBITDA	0.50	0.50	0.45	0.45	0.44	0.45	0.42	0.44	0.40	0.35	0.34	0.35	0.37	0.37	0.39	0.37	0.32	0.41	0.24	0.22	0.218
Net Debt/EBITDA	-1.98	-2.08	-2.06	-2.05	-1.73	-1.86	-2.05	-1.77	-1.50	-1.54	-1.68	-1.45	-1.55	-1.75	-1.86	-1.82	-1.53	-1.53	-1.84	-1.80	-1.799
Interest Coverage	69.77	67.16	58.65	52.95	54.68	50.42	48.47	66.90	75.68	82.14	92.76	67.97	53.29	48.39	48.54	55.41	71.01	86.17	96.59	105.97	105.970
Equity Multiplier	1.52	1.51	1.52	1.55	1.56	1.51	1.52	1.53	1.52	1.51	1.53	1.52	1.51	1.52	1.51	1.53	1.50	1.48	1.47	1.51	1.514
Cash Ratio	snapshot only																				1.631
Debt Service Coverage	snapshot only																				125.452
Cash to Debt	snapshot only																				9.251
FCF to Debt	snapshot only																				3.489
Defensive Interval	snapshot only																				1012.0 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	0.99	1.00	0.97	0.99	1.05	1.09	1.08	1.06	1.08	1.09	1.02	1.04	1.06	1.01	0.97	1.00	1.04	1.02	1.00	0.99	0.991
Inventory Turnover	4.39	4.94	4.88	4.59	4.29	4.95	5.06	4.72	4.42	4.81	4.49	4.52	4.49	4.61	4.23	4.13	4.09	4.38	4.39	3.83	3.832
Receivables Turnover	6.29	5.97	5.54	5.77	6.41	6.27	6.02	6.22	6.38	6.26	6.06	6.25	6.67	6.38	6.35	6.46	7.15	7.11	6.92	7.26	7.259
Payables Turnover	3.57	4.88	3.32	3.53	3.66	5.35	3.74	3.45	3.38	5.33	3.32	3.42	3.43	4.89	3.23	3.23	3.29	4.89	3.24	2.88	2.883
DSO	58	61	66	63	57	58	61	59	57	58	60	58	55	57	58	57	51	51	53	50	50.3 days
DIO	83	74	75	79	85	74	72	77	83	76	81	81	81	79	86	88	89	83	83	95	95.3 days
DPO	102	75	110	103	100	68	98	106	108	69	110	107	106	75	113	113	111	75	113	127	126.6 days
Cash Conversion Cycle	39	60	31	39	42	64	35	30	32	66	31	32	30	62	31	32	30	60	23	19	18.9 days
Fixed Asset Turnover	snapshot only																				4.191
Operating Cycle	snapshot only																				145.5 days
Cash Velocity	snapshot only																				2.258
Capital Intensity	snapshot only																				1.067

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	3.1%	7.8%	9.0%	10.0%	16.5%	17.5%	17.8%	14.8%	10.4%	7.7%	3.2%	1.7%	-1.3%	-5.0%	-4.0%	-3.9%	-1.7%	2.2%	3.1%	4.3%	4.30%
Net Income	-3.5%	-3.7%	-25.7%	-32.1%	-19.1%	-27.8%	-3.5%	32.7%	44.6%	82.0%	67.7%	23.2%	-12.9%	-25.3%	-32.6%	-18.3%	25.3%	52.0%	69.7%	58.3%	58.30%
EPS	-5.8%	-4.7%	-26.4%	-33.0%	-19.8%	-27.0%	-2.5%	33.6%	48.4%	82.0%	67.7%	24.6%	-11.5%	-24.1%	-31.1%	-15.6%	25.3%	56.6%	73.9%	58.6%	58.57%
FCF	10.5%	43.1%	-43.7%	-56.4%	-58.5%	-62.3%	30.9%	62.7%	1.5%	2.4%	48.4%	7.2%	-11.5%	-19.8%	-17.4%	43.4%	38.3%	50.2%	79.3%	32.8%	32.81%
EBITDA	-2.8%	-3.4%	-13.1%	-14.4%	-1.4%	-7.5%	9.3%	23.6%	31.8%	49.9%	42.7%	19.8%	-8.0%	-16.0%	-23.5%	-14.8%	14.7%	29.6%	40.7%	39.4%	39.38%
Op. Income	-7.2%	-7.0%	-19.2%	-19.8%	-4.3%	-6.7%	14.8%	33.4%	43.9%	58.8%	41.8%	13.1%	-18.9%	-28.3%	-26.4%	-14.2%	25.9%	50.6%	53.4%	50.1%	50.05%
OCF Growth	snapshot only																				24.29%
Asset Growth	snapshot only																				12.09%
Equity Growth	snapshot only																				13.03%
Debt Growth	snapshot only																				-18.60%
Shares Change	snapshot only																				-0.17%
Dividend Growth	snapshot only																				19.79%

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	1.5%	2.4%	3.2%	3.9%	5.7%	6.7%	8.4%	9.2%	9.9%	10.9%	9.8%	8.7%	8.3%	6.3%	5.3%	3.9%	2.3%	1.5%	0.7%	0.6%	0.63%
Revenue 5Y	—	—	—	—	—	37.1%	20.3%	11.9%	6.1%	6.3%	6.0%	5.5%	5.1%	4.5%	4.8%	4.9%	5.2%	5.8%	5.6%	5.2%	5.16%
EPS 3Y	1.6%	2.0%	-4.1%	-8.8%	-9.7%	-13.6%	-6.1%	-0.6%	3.9%	8.2%	6.4%	3.7%	1.7%	0.3%	4.1%	12.0%	18.0%	29.3%	26.2%	18.6%	18.58%
EPS 5Y	—	—	—	—	—	24.8%	10.2%	6.7%	4.5%	7.1%	7.6%	4.8%	-0.7%	-2.3%	-0.9%	0.6%	4.4%	8.5%	7.6%	8.3%	8.34%
Net Income 3Y	2.1%	2.3%	-4.0%	-8.1%	-8.6%	-13.2%	-5.7%	-0.9%	4.1%	8.1%	6.3%	3.5%	0.6%	-0.6%	2.9%	10.1%	16.4%	27.4%	24.3%	16.8%	16.79%
Net Income 5Y	—	—	—	—	—	24.8%	10.2%	6.7%	4.5%	7.1%	7.4%	4.9%	-0.8%	-2.4%	-1.1%	-0.4%	4.3%	7.5%	6.6%	7.5%	7.50%
EBITDA 3Y	3.0%	3.7%	0.6%	-0.1%	0.1%	-2.6%	1.5%	4.3%	8.1%	10.2%	10.7%	8.2%	6.1%	5.2%	6.0%	8.1%	11.6%	17.7%	15.4%	12.5%	12.47%
EBITDA 5Y	—	—	—	—	—	32.6%	15.9%	10.3%	7.3%	9.1%	9.7%	8.1%	4.0%	3.1%	2.7%	3.0%	5.9%	7.8%	7.8%	8.5%	8.52%
Gross Profit 3Y	1.4%	1.2%	-0.1%	-0.5%	0.3%	0.3%	2.4%	4.0%	5.6%	7.8%	7.9%	7.4%	8.7%	8.3%	9.7%	10.3%	10.3%	11.3%	10.1%	9.1%	9.08%
Gross Profit 5Y	—	—	—	—	—	33.0%	16.9%	9.6%	5.0%	6.3%	6.3%	5.9%	5.3%	4.2%	4.4%	4.8%	5.2%	6.6%	7.1%	7.3%	7.34%
Op. Income 3Y	2.5%	2.4%	-2.0%	-3.0%	-3.7%	-5.6%	-0.6%	3.4%	8.5%	11.3%	9.5%	6.5%	3.7%	2.0%	6.2%	9.0%	13.7%	19.7%	17.0%	13.3%	13.33%
Op. Income 5Y	—	—	—	—	—	31.9%	15.2%	10.2%	8.2%	9.7%	8.9%	6.6%	0.8%	-0.9%	0.5%	1.4%	5.5%	8.3%	8.2%	9.3%	9.26%
FCF 3Y	28.5%	22.7%	9.5%	-7.9%	-16.2%	-21.6%	-2.7%	6.0%	4.2%	22.3%	3.0%	-8.7%	-3.3%	0.8%	17.0%	35.8%	44.5%	59.8%	30.0%	26.9%	26.88%
FCF 5Y	—	—	—	—	—	7.8%	7.7%	8.2%	16.8%	18.8%	20.6%	6.4%	5.1%	5.5%	2.4%	12.9%	6.7%	17.1%	10.1%	7.7%	7.67%
OCF 3Y	14.9%	8.2%	-2.2%	-13.1%	-17.6%	-17.4%	-5.1%	9.2%	11.2%	24.9%	11.4%	-2.9%	1.5%	4.3%	17.1%	29.9%	34.6%	43.0%	25.5%	15.7%	15.68%
OCF 5Y	—	—	—	—	—	14.8%	8.7%	11.2%	14.4%	14.0%	15.0%	2.4%	0.8%	3.4%	1.2%	10.2%	7.8%	15.2%	10.4%	7.8%	7.78%
Assets 3Y	8.6%	7.4%	7.4%	8.4%	9.2%	7.2%	6.0%	7.5%	8.3%	8.9%	7.7%	5.1%	3.8%	3.9%	2.6%	2.2%	1.4%	3.6%	3.8%	3.8%	3.76%
Assets 5Y	—	—	—	—	—	6.5%	7.0%	7.6%	8.1%	7.3%	8.1%	6.7%	5.9%	5.7%	3.9%	4.4%	4.7%	5.5%	4.5%	5.0%	5.01%
Equity 3Y	9.6%	9.3%	8.1%	7.9%	7.5%	6.2%	8.5%	7.5%	7.4%	7.2%	7.1%	5.0%	3.9%	3.6%	2.8%	2.6%	2.8%	4.3%	4.9%	4.2%	4.21%
Book Value 3Y	9.0%	8.9%	8.0%	7.0%	6.2%	5.8%	8.1%	7.8%	7.2%	7.3%	7.1%	5.1%	5.0%	4.5%	3.9%	4.3%	4.2%	5.9%	6.5%	5.8%	5.81%
Dividend 3Y	1.3%	1.6%	1.8%	-2.6%	-9.2%	-8.2%	-8.2%	1.1%	10.2%	10.1%	10.1%	8.5%	2.6%	1.9%	2.1%	-5.2%	-1.3%	-3.7%	-3.7%	7.8%	7.77%

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	0.58	0.41	0.67	0.70	0.65	0.83	0.91	0.97	0.77	0.79	0.82	0.85	0.84	0.78	0.80	0.80	0.77	0.70	0.67	0.66	0.660
Earnings Stability	0.16	0.53	0.33	0.03	0.25	0.18	0.12	0.08	0.03	0.04	0.11	0.09	0.00	0.00	0.01	0.03	0.30	0.30	0.26	0.42	0.417
Margin Stability	0.97	0.95	0.93	0.92	0.91	0.91	0.91	0.92	0.92	0.92	0.92	0.93	0.93	0.93	0.92	0.92	0.91	0.90	0.90	0.91	0.914
Rev. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.99	0.99	0.90	0.87	0.92	0.89	0.99	0.87	0.82	0.50	0.50	0.91	0.95	0.90	0.87	0.93	0.90	0.50	0.50	0.50	0.500
Earnings Smoothness	0.96	0.96	0.71	0.62	0.79	0.68	0.96	0.72	0.64	0.42	0.49	0.79	0.86	0.71	0.61	0.80	0.78	0.59	0.48	0.55	0.549
ROE Trend	-0.03	-0.03	-0.05	-0.07	-0.05	-0.06	-0.04	-0.00	0.02	0.05	0.06	0.04	0.00	-0.01	-0.02	-0.01	0.02	0.04	0.04	0.04	0.045
Gross Margin Trend	-0.01	-0.03	-0.05	-0.06	-0.06	-0.06	-0.04	-0.02	0.01	0.03	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.04	0.04	0.05	0.045
FCF Margin Trend	0.02	0.03	-0.05	-0.06	-0.08	-0.07	-0.02	-0.02	0.02	0.04	0.04	0.02	0.02	0.02	0.00	0.05	0.03	0.04	0.06	0.06	0.058
Sustainable Growth Rate	7.1%	6.7%	4.3%	4.0%	5.7%	4.0%	5.6%	7.3%	8.4%	10.1%	10.8%	8.3%	5.5%	4.8%	4.2%	6.8%	10.0%	13.2%	14.2%	13.1%	13.12%
Internal Growth Rate	5.0%	4.8%	2.9%	2.7%	3.8%	2.7%	3.8%	5.0%	5.7%	7.2%	7.6%	5.7%	3.8%	3.3%	2.8%	4.7%	7.1%	9.6%	10.5%	9.4%	9.45%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.31	1.29	0.99	1.03	0.91	0.97	1.33	1.37	1.44	1.49	1.32	1.09	1.34	1.49	1.46	1.70	1.40	1.37	1.37	1.33	1.334
FCF/OCF	0.86	0.85	0.75	0.71	0.64	0.59	0.76	0.65	0.68	0.71	0.68	0.72	0.74	0.76	0.75	0.81	0.79	0.82	0.84	0.86	0.860
FCF/Net Income	snapshot only																				1.148
OCF/EBITDA	snapshot only																				0.884
CapEx/Revenue	2.1%	2.2%	2.3%	2.5%	2.7%	2.7%	2.5%	4.4%	4.9%	4.9%	5.3%	3.5%	3.2%	3.2%	3.2%	3.2%	3.5%	3.3%	3.1%	2.7%	2.71%
CapEx/Depreciation	snapshot only																				0.795
Accruals Ratio	-0.04	-0.03	0.00	-0.00	0.01	0.00	-0.03	-0.04	-0.05	-0.06	-0.04	-0.01	-0.03	-0.05	-0.04	-0.07	-0.05	-0.05	-0.05	-0.05	-0.048
Sloan Accruals	snapshot only																				0.040
Cash Flow Adequacy	snapshot only																				2.269
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	1.9%	2.0%	2.1%	1.9%	1.4%	1.5%	1.6%	2.1%	2.8%	2.9%	3.2%	3.6%	3.4%	4.4%	5.9%	5.2%	4.3%	4.0%	4.2%	4.5%	5.20%
Dividend/Share	$0.56	$0.57	$0.57	$0.50	$0.43	$0.45	$0.45	$0.52	$0.60	$0.60	$0.60	$0.66	$0.63	$0.62	$0.63	$0.55	$0.58	$0.55	$0.55	$0.66	$0.77
Payout Ratio	58.5%	59.4%	68.5%	67.3%	56.2%	64.3%	55.5%	52.0%	52.3%	47.1%	44.2%	53.7%	62.8%	65.0%	67.5%	53.1%	46.3%	36.5%	33.9%	40.1%	40.15%
FCF Payout Ratio	52.2%	54.2%	92.0%	92.1%	97.6%	1.1%	54.9%	58.1%	53.3%	44.2%	49.4%	68.9%	63.1%	56.9%	61.7%	38.9%	42.1%	32.3%	29.3%	35.0%	34.99%
Total Payout Ratio	58.5%	59.4%	68.5%	67.3%	56.2%	64.3%	55.5%	52.0%	52.3%	47.1%	45.5%	82.7%	98.5%	1.1%	1.4%	90.7%	76.4%	59.1%	36.6%	40.1%	40.15%
Div. Increase Streak	1	1	1	0	0	0	0	0	0	0	0	1	1	1	1	0	0	0	0	0	0
Chowder Number	0.07	0.08	0.08	-0.03	-0.21	-0.20	-0.20	0.05	0.37	0.36	0.37	0.31	0.08	0.07	0.09	-0.14	-0.03	-0.11	-0.10	0.24	0.241
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	1.9%	2.0%	2.9%	6.4%	3.6%	2.8%	2.5%	0.3%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	1.9%	2.0%	2.9%	6.4%	3.6%	2.8%	2.5%	0.3%	0.0%	0.00%
Total Shareholder Return	1.9%	2.0%	2.1%	1.9%	1.4%	1.5%	1.6%	2.1%	2.8%	2.9%	3.3%	5.5%	5.4%	7.3%	12.2%	8.8%	7.1%	6.5%	4.6%	4.5%	4.51%

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)	0.80	0.80	0.80	0.77	0.77	0.75	0.75	0.76	0.76	0.77	0.77	0.76	0.75	0.73	0.74	0.76	0.78	0.80	0.80	0.78	0.782
Interest Burden (EBT/EBIT)	1.06	1.05	1.01	0.99	0.98	0.98	0.98	0.99	0.99	0.97	0.97	0.96	0.96	0.98	0.98	0.98	0.99	0.98	1.01	1.00	1.004
EBIT Margin	0.14	0.13	0.12	0.11	0.11	0.09	0.10	0.12	0.14	0.15	0.17	0.15	0.13	0.13	0.12	0.13	0.15	0.17	0.18	0.19	0.185
Asset Turnover	0.99	1.00	0.97	0.99	1.05	1.09	1.08	1.06	1.08	1.09	1.02	1.04	1.06	1.01	0.97	1.00	1.04	1.02	1.00	0.99	0.991
Equity Multiplier	1.50	1.48	1.51	1.53	1.54	1.51	1.52	1.54	1.54	1.51	1.52	1.53	1.52	1.52	1.52	1.52	1.51	1.50	1.49	1.52	1.520

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)	$0.96	$0.95	$0.83	$0.74	$0.77	$0.70	$0.81	$0.99	$1.14	$1.27	$1.35	$1.24	$1.01	$0.96	$0.93	$1.04	$1.26	$1.50	$1.62	$1.65	$1.65
Book Value/Share	$5.77	$5.99	$6.18	$6.22	$6.07	$6.31	$6.62	$6.75	$6.74	$6.93	$7.37	$7.00	$6.68	$6.84	$6.92	$7.06	$6.86	$7.48	$8.00	$8.00	$8.37
Tangible Book/Share	$5.62	$5.84	$5.82	$5.86	$5.70	$6.00	$6.30	$6.45	$6.45	$6.65	$7.10	$6.73	$6.42	$6.60	$6.69	$6.83	$6.65	$7.26	$7.79	$7.79	$7.79
Revenue/Share	$8.27	$8.57	$8.83	$9.21	$9.55	$10.18	$10.52	$10.64	$10.81	$10.96	$10.85	$10.95	$10.83	$10.58	$10.64	$10.86	$10.65	$11.14	$11.24	$11.35	$11.35
FCF/Share	$1.07	$1.04	$0.62	$0.54	$0.44	$0.40	$0.81	$0.89	$1.12	$1.35	$1.21	$0.96	$1.00	$1.10	$1.02	$1.43	$1.39	$1.70	$1.87	$1.90	$1.90
OCF/Share	$1.25	$1.23	$0.82	$0.77	$0.69	$0.68	$1.07	$1.36	$1.64	$1.89	$1.78	$1.34	$1.35	$1.44	$1.36	$1.77	$1.76	$2.06	$2.22	$2.20	$2.20
Cash/Share	$3.53	$3.72	$3.40	$3.36	$3.02	$3.12	$3.69	$3.69	$3.59	$3.82	$4.30	$3.65	$3.38	$3.66	$3.75	$3.91	$3.72	$4.45	$5.00	$5.03	$5.03
EBITDA/Share	$1.42	$1.44	$1.35	$1.34	$1.39	$1.35	$1.49	$1.67	$1.88	$2.02	$2.13	$2.03	$1.76	$1.72	$1.66	$1.78	$2.01	$2.30	$2.40	$2.49	$2.49
Debt/Share	$0.71	$0.72	$0.61	$0.60	$0.61	$0.61	$0.63	$0.73	$0.76	$0.72	$0.73	$0.71	$0.65	$0.64	$0.65	$0.67	$0.65	$0.93	$0.58	$0.54	$0.54
Net Debt/Share	$-2.82	$-3.00	$-2.79	$-2.76	$-2.41	$-2.51	$-3.06	$-2.96	$-2.83	$-3.10	$-3.57	$-2.94	$-2.72	$-3.02	$-3.10	$-3.25	$-3.07	$-3.52	$-4.42	$-4.48	$-4.48

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.927
Altman Z-Prime	snapshot only																				9.542
Piotroski F-Score	3	4	5	5	4	6	8	8	8	7	6	8	7	5	8	6	8	8	8	7	7
Beneish M-Score	-2.42	-2.33	-1.98	-2.05	-1.86	-2.11	-2.57	-2.68	-2.82	-2.79	-2.77	-2.54	-2.77	-2.77	-2.75	-2.96	-2.80	-2.85	-2.78	-2.75	-2.755
Ohlson O-Score	snapshot only																				-11.348
ROIC (Greenblatt)	snapshot only																				24.92%
Net-Net WC	snapshot only																				$5.08
EVA	snapshot only																				$2556079744.97

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																				AAA
Credit Score	94.84	95.05	94.84	95.33	95.27	95.79	95.24	95.53	95.12	95.28	95.37	95.53	95.29	95.51	95.26	95.63	95.71	95.71	95.84	96.01	96.008
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				0.381
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				90
Sector Credit Rank	snapshot only																				94

TOA.BK SET

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

Sign in to InsiderStreet