$75.42

-4.20 (-5.28%)

After Hours: $73.03 (-2.39, -3.18%)

Weekly Expected Move ±8.4%

$68 $75 $81 $88 $95

NYSE · Financial Services · Financial - Data & Stock Exchanges · Tech Score Buy · Power 72 · $15.3B mcap · 190M float · 1.37% daily turnover · Short 55% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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

39.6 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 10.4% · 5Y Avg: 7.3%

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. TRU has No discernible competitive edge (39.6/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 10.4% 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

$68

Low

$89

Avg Target

$115

High

Based on 16 analysts since Jul 28, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 19Hold: 8Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$88.63

Analysts16

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-21	UBS	—	$80	$83	+3	+5.4%	$78.72
2026-10-19	Mizuho Securities	—	$77	$74	-3	-0.1%	$74.08
2026-10-16	RBC Capital	—	Initiated	$92	—	+24.8%	$73.70
2026-10-13	Morgan Stanley	—	$106	$97	-9	+46.3%	$66.30
2026-10-02	Goldman Sachs	—	$77	$68	-9	+9.4%	$62.18
2026-10-02	Barclays	—	$80	$70	-10	+12.6%	$62.18
2026-09-29	Goldman Sachs	—	$82	$77	-5	+16.3%	$66.19
2026-09-24	UBS	—	$82	$80	-2	+14.6%	$69.78
2026-09-21	UBS	—	$77	$82	+5	+14.6%	$71.53
2026-07-29	BMO Capital	—	$105	$98	-7	+15.8%	$84.66
2026-07-29	Needham	Kyle Peterson	$95	$100	+5	+19.3%	$83.80
2026-07-29	Morgan Stanley	—	$105	$106	+1	+26.5%	$83.80
2026-07-29	Robert W. Baird	Jeffrey Meuler	$108	$115	+7	+37.2%	$83.80
2026-07-29	Stifel Nicolaus	—	$103	$96	-7	+14.6%	$83.80
2026-07-29	Griffin	Ryan Griffin	Initiated	$98	—	+16.9%	$83.80
2026-07-28	Goldman Sachs	—	$80	$82	+2	-2.1%	$83.80
2026-07-02	Mizuho Securities	Sean Kennedy	$80	$77	-3	+1.6%	$75.81
2026-07-02	UBS	—	$72	$77	+5	+2.1%	$75.40
2026-06-16	UBS	Kevin McVeigh	$90	$72	-18	+7.0%	$67.31
2026-04-29	Robert W. Baird	—	$107	$108	+1	+54.1%	$70.08
2026-04-16	Mizuho Securities	—	Initiated	$80	—	+6.9%	$74.81
2026-03-11	New Street	—	Initiated	$100	—	+39.6%	$71.61
2026-02-13	Morgan Stanley	—	$120	$105	-15	+41.6%	$74.16
2026-02-13	Goldman Sachs	George Tong	$86	$80	-6	+8.0%	$74.06
2026-02-13	Robert W. Baird	Jeffrey Meuler	$125	$107	-18	+43.7%	$74.48
2026-02-13	Deutsche Bank	Faiza Alwy	$114	$111	-3	+50.0%	$73.98
2026-02-13	Needham	—	$115	$95	-20	+30.0%	$73.08
2026-02-13	Barclays	Manav Patnaik	$85	$80	-5	+13.0%	$70.81
2025-12-17	Morgan Stanley	—	$119	$120	+1	+39.3%	$86.15
2025-10-24	Stifel Nicolaus	—	$120	$103	-17	+20.4%	$85.55
2025-10-24	Robert W. Baird	Jeffrey Meuler	Initiated	$125	—	+46.1%	$85.55
2025-10-24	UBS	—	$110	$90	-20	+7.8%	$83.48
2025-10-24	Goldman Sachs	—	$76	$86	+10	+3.0%	$83.48
2025-10-24	BMO Capital	—	Initiated	$105	—	+22.7%	$85.55
2025-10-20	Needham	Kyle Peterson	Initiated	$115	—	+45.9%	$78.82
2025-10-13	Oppenheimer	Rayna Kumar	$108	$93	-15	+19.7%	$77.70
2025-07-08	Oppenheimer	Owen Lau	$118	$108	-10	+16.5%	$92.74
2025-04-04	Barclays	Manav Patnaik	$88	$85	-3	+19.5%	$71.10
2024-10-24	Morgan Stanley	Toni Kaplan	$78	$119	+41	+10.0%	$108.23
2024-10-08	Oppenheimer	Owen Lau	Initiated	$118	—	+11.8%	$105.51
2024-10-01	UBS	Kevin McVeigh	Initiated	$110	—	+5.1%	$104.70
2024-04-16	Redburn Partners	Simon Clinch	Initiated	$98	—	+36.3%	$71.88
2023-02-06	Goldman Sachs	—	$109	$76	-33	+7.0%	$71.00
2023-02-06	Truist Financial	—	$100	$74	-26	+3.3%	$71.66
2023-01-04	Morgan Stanley	—	$80	$78	-2	+32.2%	$59.01
2022-11-30	Morgan Stanley	—	$98	$80	-18	+32.5%	$60.40
2022-09-22	Atlantic Equities	Simon Clinch	$130	$90	-40	+38.5%	$65.00
2022-07-12	Wells Fargo	Seth Weber	Initiated	$88	—	+8.2%	$81.31
2022-06-27	Barclays	Manav Patnaik	Initiated	$88	—	+7.5%	$81.83
2022-04-27	Deutsche Bank	—	$124	$114	-10	+26.0%	$90.48

Financial Rating

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

B+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. TRU receives an overall rating of B+. Strongest factors: ROE (5/5), ROA (5/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-10-01	B	B+
2026-09-10	B+	B
2026-09-08	B	B+
2026-09-04	B+	B
2026-08-31	B	B+
2026-08-24	B+	B
2026-07-28	B	B+
2026-05-20	B+	B
2026-04-28	B-	B+
2026-04-13	B	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.

★ ★ ★ ★ ★ 68 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. TRU scores highest in Safety (100/100) and lowest in Profitability (54/100). An overall grade of A places TRU 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-B Score

10.86

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓

Beneish M-Score

-2.49

Unlikely Manipulator

Ohlson O-Score

-8.05

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

A+

Score: 76.4/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.20x

Accruals: -1.7%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. TRU scores 10.86, 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. TRU scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. TRU's score of -2.49 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. TRU'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. TRU receives an estimated rating of A+ (score: 76.4/100), 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). TRU'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

18.38x

PEG

0.16x

P/S

2.90x

P/B

3.01x

P/FCF

12.93x

P/OCF

9.74x

EV/EBITDA

9.18x

EV/Revenue

3.24x

EV/EBIT

16.14x

EV/FCF

17.96x

Earnings Yield

8.57%

FCF Yield

7.73%

Shareholder Yield

4.71%

Graham Number

$54.47

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 18.4x earnings, TRU trades at a reasonable valuation. An earnings yield of 8.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $54.47 per share, 46% below the current price.

DuPont Decomposition (5-Factor)

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

Tax Burden

1.028

NI / EBT

Interest Burden

0.969

EBT / EBIT

EBIT Margin

0.201

EBIT / Rev

Asset Turnover

0.434

Rev / Assets

Equity Multiplier

2.489

Assets / Equity

ROE

21.6%

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. TRU's ROE of 21.6% is driven by Asset Turnover (0.434), indicating efficient use of assets to generate revenue. A tax burden ratio of 1.03 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

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

$201.66

Price/Value

0.30x

Margin of Safety

69.69%

Premium

-69.69%

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 TRU's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. TRU trades at a -70% premium to its adjusted intrinsic value of $201.66, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 18.4x.

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

$75.41

Median 1Y

$69.14

5th Pctile

$35.46

95th Pctile

$134.75

Ann. Volatility

39.3%

Analyst Target

$88.63

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

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

Executive	Salary	Stock	Total
Christopher A. Cartwright President & Chief Executive Officer	$1,058,250	$12,665,149	$16,731,398
Mohamed F. Abdelsadek EVP, Chief Global Solutions Officer	$540,000	$8,567,799	$10,746,412
Tiffani L. Chambers EVP, Chief Operations Officer	$504,154	$6,737,431	$8,779,930
Alicia B. Zuiker EVP, Chief Human Resources Officer	$291,923	$4,753,009	$6,466,653
Todd M. Cello EVP, Chief Financial Officer	$680,154	$3,303,858	$5,252,582

CEO Pay Ratio

179:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $16,731,398

Avg Employee Cost (SGA/emp): $93,696

Employees: 13,500

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

13,500

+0.8% YoY

Revenue / Employee

$338,985

Rev: $4,576,300,000

Profit / Employee

$33,733

NI: $455,400,000

SGA / Employee

$93,696

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	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	Q3'26	Current
ROE	43.0%	39.0%	37.3%	35.8%	6.7%	6.6%	5.5%	-4.1%	-3.1%	-2.7%	-1.9%	7.5%	6.9%	8.7%	9.1%	9.7%	10.5%	15.4%	18.1%	21.6%	21.64%
ROA	13.9%	13.4%	13.2%	12.8%	2.2%	2.3%	2.0%	-1.5%	-1.1%	-1.0%	-0.7%	2.8%	2.6%	3.3%	3.5%	3.8%	4.1%	6.1%	7.3%	8.7%	8.70%
ROIC	5.1%	4.4%	4.2%	4.1%	4.6%	4.8%	4.5%	1.9%	1.8%	1.9%	2.2%	6.2%	5.7%	6.4%	6.4%	6.8%	7.2%	7.2%	10.4%	12.5%	12.50%
ROCE	4.9%	4.7%	4.5%	4.6%	5.7%	6.0%	5.7%	2.1%	2.2%	2.2%	2.7%	6.5%	6.7%	7.6%	7.7%	8.3%	8.8%	10.2%	11.1%	9.2%	9.20%
Gross Margin	63.2%	67.7%	65.3%	64.0%	65.5%	59.5%	60.0%	61.9%	53.5%	60.2%	60.9%	58.6%	60.3%	59.3%	46.2%	46.5%	59.3%	58.3%	58.4%	0.0%	0.00%
Operating Margin	9.3%	14.7%	19.2%	18.1%	15.9%	15.4%	16.4%	-24.4%	14.9%	15.4%	17.5%	14.4%	16.5%	23.2%	16.9%	18.2%	17.4%	19.7%	32.0%	20.4%	20.36%
Net Margin	1.6%	5.2%	10.1%	8.4%	5.2%	5.6%	5.6%	-32.9%	9.1%	6.4%	8.2%	6.3%	6.4%	13.5%	9.6%	8.3%	8.6%	31.9%	19.3%	19.6%	19.62%
EBITDA Margin	17.7%	27.8%	32.8%	32.2%	29.8%	29.5%	28.9%	-9.0%	29.3%	28.0%	30.9%	27.4%	28.9%	35.5%	31.2%	30.6%	30.0%	51.6%	36.6%	23.4%	23.35%
FCF Margin	20.7%	14.3%	2.0%	-1.0%	-0.0%	1.5%	10.3%	9.2%	8.6%	8.0%	10.1%	11.7%	12.4%	12.0%	11.4%	13.0%	14.5%	14.7%	16.1%	18.1%	18.06%
OCF Margin	28.7%	22.2%	9.6%	6.5%	8.0%	9.7%	18.8%	17.6%	16.8%	15.8%	17.5%	18.9%	19.9%	19.5%	19.0%	20.8%	21.6%	21.6%	22.5%	24.0%	23.97%
ROE 3Y Avg	snapshot only																				12.48%
ROE 5Y Avg	snapshot only																				12.77%
ROA 3Y Avg	snapshot only																				4.96%
ROIC 3Y Avg	snapshot only																				7.40%
ROIC Economic	snapshot only																				11.54%
Cash ROA	snapshot only																				9.99%
Cash ROIC	snapshot only																				12.82%
CROIC	snapshot only																				9.66%
NOPAT Margin	snapshot only																				23.38%
Pretax Margin	snapshot only																				19.47%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				27.08%
SBC / Revenue	snapshot only																				2.25%

Valuation

Metric	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	Q3'26	Current
P/E Ratio	16.17	14.96	11.88	9.10	40.00	43.35	64.59	-82.76	-105.49	-136.99	-175.90	67.18	64.01	44.40	44.16	39.24	36.69	19.12	16.48	11.67	18.384
P/S Ratio	7.95	6.43	4.65	3.27	2.91	3.18	4.00	3.63	3.45	3.95	3.61	5.00	4.35	3.83	3.97	3.71	3.65	2.85	2.85	2.34	2.901
P/B Ratio	5.74	4.84	3.75	2.79	2.59	2.81	3.44	3.48	3.30	3.79	3.48	4.86	4.32	3.72	3.83	3.69	3.76	2.83	2.89	2.43	3.006
P/FCF	38.39	44.96	236.02	-321.67	-10782.70	207.23	39.00	39.60	39.89	49.51	35.85	42.63	35.22	32.03	34.85	28.66	25.26	19.34	17.74	12.93	12.935
P/OCF	27.74	29.00	48.47	50.52	36.28	32.68	21.27	20.62	20.59	24.98	20.57	26.38	21.86	19.63	20.93	17.89	16.92	13.22	12.67	9.74	9.744
EV/EBITDA	29.59	26.62	22.33	17.02	14.07	14.79	17.88	25.47	24.30	27.03	23.99	21.22	18.87	15.98	16.27	14.92	14.46	10.79	10.26	9.18	9.184
EV/Revenue	9.61	8.01	6.35	4.84	4.31	4.59	5.37	4.97	4.75	5.23	4.81	6.12	5.43	4.91	5.01	4.71	4.59	3.90	3.84	3.24	3.244
EV/EBIT	48.93	47.41	42.41	33.08	25.89	26.83	33.18	86.79	81.20	89.62	71.63	38.65	34.11	27.33	27.67	24.98	23.91	16.46	15.34	16.14	16.139
EV/FCF	46.40	56.00	322.41	-476.53	-16000.60	298.95	52.39	54.20	54.88	65.56	47.84	52.25	43.98	41.03	43.93	36.35	31.76	26.45	23.85	17.96	17.960
Earnings Yield	6.2%	6.7%	8.4%	11.0%	2.5%	2.3%	1.5%	-1.2%	-0.9%	-0.7%	-0.6%	1.5%	1.6%	2.3%	2.3%	2.5%	2.7%	5.2%	6.1%	8.6%	8.57%
FCF Yield	2.6%	2.2%	0.4%	-0.3%	-0.0%	0.5%	2.6%	2.5%	2.5%	2.0%	2.8%	2.3%	2.8%	3.1%	2.9%	3.5%	4.0%	5.2%	5.6%	7.7%	7.73%
PEG Ratio	snapshot only																				0.158
EV/OCF	snapshot only																				13.530
EV/Gross Profit	snapshot only																				7.476
Acquirers Multiple	snapshot only																				14.412
Shareholder Yield	snapshot only																				4.71%
Graham Number	snapshot only																				$54.47

Leverage & Solvency

Metric	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	Q3'26	Current
Current Ratio	1.94	1.79	1.63	1.73	1.60	1.57	1.51	1.54	1.47	1.65	1.66	1.68	1.70	2.05	2.02	2.01	1.75	1.93	1.90	2.03	2.032
Quick Ratio	1.94	1.79	1.63	1.73	1.60	1.57	1.51	1.54	1.47	1.65	1.66	1.68	1.70	2.05	2.02	2.01	1.75	1.93	1.90	2.03	2.032
Debt/Equity	1.67	1.51	1.50	1.49	1.39	1.35	1.28	1.39	1.36	1.34	1.29	1.25	1.24	1.18	1.15	1.16	1.16	1.20	1.17	1.13	1.125
Net Debt/Equity	1.20	1.19	1.37	1.34	1.25	1.24	1.18	1.28	1.24	1.23	1.16	1.10	1.07	1.05	1.00	0.99	0.97	1.04	1.00	0.94	0.943
Debt/Assets	0.52	0.50	0.51	0.51	0.50	0.49	0.48	0.50	0.49	0.49	0.49	0.48	0.47	0.47	0.47	0.47	0.46	0.47	0.46	0.45	0.451
Debt/EBITDA	7.12	6.67	6.55	6.14	5.11	4.92	4.97	7.44	7.28	7.19	6.69	4.45	4.33	3.98	3.88	3.69	3.55	3.33	3.09	3.07	3.066
Net Debt/EBITDA	5.11	5.25	5.98	5.53	4.59	4.54	4.57	6.86	6.64	6.62	6.01	3.90	3.76	3.51	3.36	3.16	2.96	2.90	2.63	2.57	2.570
Interest Coverage	4.85	3.55	2.85	2.45	2.59	2.50	2.19	0.75	0.77	0.80	0.96	2.37	2.51	3.03	3.28	3.54	3.73	4.63	4.86	8.24	8.241
Equity Multiplier	3.23	3.02	2.94	2.91	2.80	2.73	2.67	2.80	2.77	2.71	2.67	2.62	2.60	2.50	2.46	2.48	2.50	2.53	2.52	2.49	2.493
Cash Ratio	snapshot only																				0.817
Debt Service Coverage	snapshot only																				14.482
Cash to Debt	snapshot only																				0.162
FCF to Debt	snapshot only																				0.167
Defensive Interval	snapshot only																				293.8 days

Efficiency & Turnover

Metric	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	Q3'26	Current
Asset Turnover	0.28	0.31	0.34	0.36	0.31	0.31	0.32	0.33	0.34	0.35	0.35	0.37	0.38	0.39	0.39	0.40	0.41	0.41	0.42	0.43	0.434
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	5.89	5.61	5.64	5.98	6.37	5.98	5.70	5.65	5.78	5.48	5.49	5.49	5.19	4.87	4.93	4.96	5.10	4.68	4.81	5.01	5.009
Payables Turnover	4.12	4.38	4.50	4.97	4.90	4.87	4.71	5.48	6.30	5.54	5.14	5.78	6.13	5.64	5.83	6.15	6.70	6.34	5.78	7.40	7.399
DSO	62	65	65	61	57	61	64	65	63	67	66	66	70	75	74	74	72	78	76	73	72.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	89	83	81	74	74	75	77	67	58	66	71	63	60	65	63	59	54	58	63	49	49.3 days
Cash Conversion Cycle	-27	-18	-17	-12	-17	-14	-13	-2	5	1	-5	3	11	10	12	14	17	20	13	24	23.5 days
Fixed Asset Turnover	snapshot only																				20.892
Cash Velocity	snapshot only																				5.706
Capital Intensity	snapshot only																				2.399

Growth (YoY)

Metric	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	Q3'26	Current
Revenue	3.8%	11.5%	15.6%	20.5%	31.6%	22.6%	14.9%	9.3%	3.3%	4.9%	6.3%	8.5%	9.2%	8.8%	9.3%	8.3%	9.4%	11.0%	12.4%	13.4%	13.45%
Net Income	3.0%	2.3%	1.8%	1.6%	-80.6%	-79.1%	-81.8%	-1.1%	-1.5%	-1.4%	-1.4%	2.8%	3.3%	4.3%	5.8%	37.8%	60.2%	91.8%	1.2%	1.4%	1.40%
EPS	3.0%	2.2%	1.8%	1.6%	-80.6%	-79.1%	-81.9%	-1.1%	-1.5%	-1.4%	-1.3%	2.8%	3.2%	4.2%	5.7%	37.7%	62.2%	94.4%	1.2%	1.5%	1.46%
FCF	1.9%	-26.4%	-88.6%	-1.1%	-1.0%	-86.8%	5.0%	10.9%	332.4%	4.4%	4.2%	38.8%	55.9%	63.2%	23.9%	19.7%	28.0%	36.8%	58.7%	58.1%	58.09%
EBITDA	-3.6%	-6.8%	-12.9%	-6.5%	24.1%	26.5%	21.6%	-25.0%	-34.2%	-34.7%	-29.1%	60.5%	60.9%	72.7%	67.8%	18.5%	20.7%	30.6%	36.6%	26.9%	26.94%
Op. Income	4.6%	-4.9%	-18.4%	-19.4%	6.2%	13.3%	12.6%	-61.5%	-66.8%	-65.4%	-60.2%	2.0%	2.2%	2.4%	2.2%	30.1%	29.4%	11.7%	39.5%	36.6%	36.61%
OCF Growth	snapshot only																				31.02%
Asset Growth	snapshot only																				8.79%
Equity Growth	snapshot only																				8.41%
Debt Growth	snapshot only																				5.37%
Shares Change	snapshot only																				-2.33%
Dividend Growth	snapshot only																				82.30%

Growth (CAGR)

Metric	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	Q3'26	Current
Revenue 3Y	6.8%	8.2%	9.3%	10.2%	11.8%	11.0%	11.6%	11.8%	12.1%	12.8%	12.2%	12.6%	14.1%	11.9%	10.1%	8.7%	7.2%	8.2%	9.3%	10.1%	10.07%
Revenue 5Y	10.6%	11.6%	12.6%	13.2%	13.9%	13.1%	12.2%	11.3%	10.6%	10.3%	9.8%	9.7%	9.5%	9.3%	10.1%	10.4%	11.0%	11.6%	11.7%	11.9%	11.92%
EPS 3Y	70.5%	67.6%	57.9%	49.9%	-8.2%	-7.8%	-9.8%	—	—	—	—	-14.1%	-41.5%	-35.0%	-33.0%	-30.7%	18.7%	36.8%	54.1%	—	—
EPS 5Y	61.6%	49.9%	41.8%	37.7%	-9.7%	-9.9%	-12.4%	—	—	—	—	-4.1%	-4.4%	0.7%	4.0%	4.8%	5.6%	11.7%	12.9%	16.5%	16.50%
Net Income 3Y	71.2%	68.3%	58.4%	50.2%	-8.1%	-7.5%	-9.5%	—	—	—	—	-13.5%	-41.0%	-34.5%	-32.5%	-30.3%	19.1%	37.0%	54.0%	—	—
Net Income 5Y	63.0%	50.3%	42.4%	38.3%	-9.4%	-9.5%	-12.1%	—	—	—	—	-3.6%	-3.9%	1.2%	4.6%	5.3%	5.8%	11.9%	13.0%	16.4%	16.43%
EBITDA 3Y	5.2%	4.2%	0.1%	0.8%	5.2%	5.5%	6.9%	-7.7%	-7.6%	-8.3%	-9.1%	4.0%	9.5%	12.6%	13.1%	12.6%	8.5%	13.8%	17.6%	34.1%	34.13%
EBITDA 5Y	10.5%	9.1%	7.9%	8.3%	10.2%	9.5%	9.1%	-0.4%	-1.0%	-1.3%	-2.8%	4.3%	4.3%	5.8%	7.7%	8.4%	8.9%	11.7%	11.5%	11.1%	11.11%
Gross Profit 3Y	7.1%	8.6%	9.2%	9.3%	10.9%	8.9%	8.9%	8.8%	7.8%	8.5%	7.8%	7.8%	10.2%	7.9%	4.2%	1.4%	-0.2%	1.7%	5.4%	-2.1%	-2.12%
Gross Profit 5Y	10.8%	11.6%	12.1%	12.6%	13.6%	12.1%	10.9%	9.8%	8.1%	7.8%	7.3%	6.8%	7.1%	6.8%	6.2%	5.3%	6.1%	6.7%	7.7%	2.7%	2.74%
Op. Income 3Y	5.0%	3.5%	0.8%	-2.1%	1.2%	1.0%	1.7%	-28.5%	-28.3%	-28.1%	-28.5%	-2.0%	3.9%	10.6%	12.2%	14.9%	11.0%	10.0%	20.5%	75.2%	75.22%
Op. Income 5Y	14.6%	10.1%	6.4%	4.8%	6.3%	5.6%	4.0%	-16.0%	-16.4%	-15.3%	-14.4%	1.8%	1.9%	4.2%	5.7%	7.5%	8.7%	7.5%	10.0%	10.8%	10.82%
FCF 3Y	15.9%	4.3%	-46.9%	—	—	-53.8%	-16.3%	-14.6%	-16.7%	-19.2%	-10.8%	-9.5%	-4.0%	5.4%	97.8%	—	—	1.3%	27.0%	38.0%	37.97%
FCF 5Y	17.0%	8.0%	-25.9%	—	—	-31.0%	0.4%	-1.1%	-2.5%	-4.0%	-1.3%	-2.0%	-2.2%	-2.6%	-5.4%	0.7%	2.9%	3.3%	6.9%	7.0%	7.00%
OCF 3Y	13.3%	5.3%	-20.7%	-32.5%	-27.4%	-22.4%	-6.2%	-4.1%	-6.6%	-8.5%	-4.0%	-4.4%	1.0%	7.2%	38.3%	60.4%	49.2%	41.0%	16.1%	22.0%	21.99%
OCF 5Y	15.7%	10.2%	-5.5%	-13.5%	-8.7%	-6.2%	6.1%	4.7%	2.9%	1.4%	2.2%	1.3%	1.4%	1.3%	-0.7%	4.1%	4.6%	4.8%	6.9%	6.3%	6.32%
Assets 3Y	21.5%	19.3%	18.6%	18.9%	17.9%	18.6%	18.3%	15.3%	14.9%	14.8%	14.2%	13.8%	-4.6%	-3.5%	-2.2%	-2.0%	-1.6%	1.4%	1.6%	3.1%	3.12%
Assets 5Y	21.5%	20.7%	20.1%	19.3%	17.9%	17.5%	10.3%	9.1%	9.5%	9.0%	9.1%	9.5%	9.1%	9.6%	9.6%	9.1%	8.7%	10.6%	10.5%	10.0%	10.00%
Equity 3Y	27.4%	26.8%	26.2%	25.8%	22.9%	26.9%	26.8%	19.6%	16.4%	15.2%	13.8%	13.5%	2.6%	2.8%	3.8%	3.3%	2.1%	4.0%	3.5%	7.2%	7.18%
Book Value 3Y	26.9%	26.3%	25.8%	25.5%	22.7%	26.6%	26.4%	19.4%	16.1%	14.6%	13.3%	12.8%	1.9%	2.1%	3.1%	2.6%	1.8%	3.8%	3.6%	7.3%	7.33%
Dividend 3Y	6.2%	8.0%	5.7%	4.6%	3.5%	2.2%	3.1%	2.3%	1.4%	0.6%	-0.1%	-0.5%	-0.3%	0.3%	0.9%	2.1%	2.7%	19.7%	20.5%	21.4%	21.37%

Growth Quality

Metric	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	Q3'26	Current
Revenue Stability	0.93	0.95	0.97	0.95	0.87	0.92	0.97	0.96	0.89	0.93	0.96	0.95	0.89	0.95	0.99	1.00	0.97	0.98	0.99	0.99	0.992
Earnings Stability	0.52	0.53	0.54	0.55	0.09	0.09	0.07	0.00	0.02	0.02	0.03	0.01	0.09	0.08	0.07	0.03	0.11	0.04	0.01	0.01	0.005
Margin Stability	0.99	0.99	0.99	0.99	0.99	0.98	0.97	0.97	0.95	0.95	0.95	0.94	0.94	0.94	0.93	0.91	0.91	0.92	0.92	0.84	0.842
Rev. Growth Consistency	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	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	0	0	1	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.50	0.500
Earnings Smoothness	0.00	0.00	0.06	0.10	0.00	0.00	0.00	—	—	—	—	—	—	—	—	0.68	0.54	0.37	0.26	0.18	0.177
ROE Trend	0.21	0.16	0.16	0.15	-0.18	-0.17	-0.19	-0.28	-0.24	-0.22	-0.20	-0.06	0.05	0.07	0.07	0.08	0.08	0.12	0.14	0.12	0.125
Gross Margin Trend	-0.00	-0.00	-0.01	-0.02	-0.01	-0.03	-0.04	-0.04	-0.07	-0.06	-0.05	-0.05	-0.02	-0.01	-0.05	-0.07	-0.07	-0.07	-0.02	-0.12	-0.122
FCF Margin Trend	-0.01	-0.07	-0.20	-0.23	-0.21	-0.16	-0.01	-0.02	-0.02	0.00	0.04	0.08	0.08	0.07	0.01	0.03	0.04	0.05	0.05	0.06	0.057
Sustainable Growth Rate	40.9%	36.8%	35.1%	33.6%	4.7%	4.7%	3.6%	—	—	—	—	5.5%	4.9%	6.7%	7.1%	7.6%	8.4%	12.2%	14.9%	18.2%	18.23%
Internal Growth Rate	15.2%	14.5%	14.3%	13.7%	1.6%	1.7%	1.3%	—	—	—	—	2.1%	1.9%	2.6%	2.8%	3.1%	3.4%	5.1%	6.4%	7.9%	7.90%

Cash Flow Quality

Metric	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	Q3'26	Current
OCF/Net Income	0.58	0.52	0.25	0.18	1.10	1.33	3.04	-4.01	-5.12	-5.48	-8.55	2.55	2.93	2.26	2.11	2.19	2.17	1.45	1.30	1.20	1.198
FCF/OCF	0.72	0.64	0.21	-0.16	-0.00	0.16	0.55	0.52	0.52	0.50	0.57	0.62	0.62	0.61	0.60	0.62	0.67	0.68	0.71	0.75	0.753
FCF/Net Income	snapshot only																				0.902
OCF/EBITDA	snapshot only																				0.679
CapEx/Revenue	8.0%	7.9%	7.6%	7.5%	8.0%	8.2%	8.5%	8.4%	8.1%	7.8%	7.5%	7.2%	7.5%	7.6%	7.6%	7.8%	7.1%	6.8%	6.4%	5.9%	5.91%
CapEx/Depreciation	snapshot only																				0.477
Accruals Ratio	0.06	0.06	0.10	0.11	-0.00	-0.01	-0.04	-0.07	-0.07	-0.06	-0.07	-0.04	-0.05	-0.04	-0.04	-0.05	-0.05	-0.03	-0.02	-0.02	-0.017
Sloan Accruals	snapshot only																				-0.043
Cash Flow Adequacy	snapshot only																				2.644
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q3'26	Current
Dividend Yield	0.3%	0.4%	0.5%	0.7%	0.7%	0.7%	0.5%	0.6%	0.6%	0.5%	0.6%	0.4%	0.5%	0.5%	0.5%	0.5%	0.5%	1.1%	1.1%	1.4%	0.64%
Dividend/Share	$0.36	$0.38	$0.38	$0.39	$0.40	$0.41	$0.42	$0.42	$0.42	$0.42	$0.42	$0.42	$0.42	$0.43	$0.44	$0.45	$0.46	$0.75	$0.78	$0.83	$0.49
Payout Ratio	5.0%	5.6%	5.8%	6.1%	28.9%	29.0%	35.1%	—	—	—	—	26.9%	29.1%	23.0%	22.0%	21.2%	19.9%	20.7%	17.8%	15.8%	15.76%
FCF Payout Ratio	12.0%	17.0%	1.1%	—	—	1.4%	21.2%	23.6%	24.7%	26.3%	20.5%	17.1%	16.0%	16.6%	17.4%	15.5%	13.7%	20.9%	19.2%	17.5%	17.47%
Total Payout Ratio	5.0%	5.6%	5.8%	6.1%	29.8%	29.9%	37.2%	—	—	—	—	27.4%	29.4%	24.7%	31.9%	57.5%	86.6%	67.7%	62.7%	55.0%	55.00%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.21	0.28	0.20	0.16	0.12	0.08	0.11	0.08	0.06	0.04	0.02	0.01	0.02	0.04	0.05	0.09	0.10	0.73	0.76	0.79	0.794
Buyback 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%	0.2%	0.9%	1.8%	2.5%	2.7%	3.4%	3.36%
Net Buyback Yield	-0.1%	-0.1%	-0.1%	-0.2%	-0.2%	-0.2%	-0.1%	-0.2%	-0.2%	-0.2%	-0.2%	-0.1%	-0.1%	-0.1%	0.1%	0.8%	1.7%	2.3%	2.6%	3.4%	3.36%
Total Shareholder Return	0.2%	0.3%	0.4%	0.5%	0.5%	0.5%	0.4%	0.4%	0.5%	0.4%	0.4%	0.3%	0.3%	0.4%	0.6%	1.3%	2.2%	3.4%	3.6%	4.7%	4.71%

DuPont Factors

Metric	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	Q3'26	Current
Tax Burden (NI/EBT)	3.14	3.47	3.93	4.04	0.70	0.71	0.69	2.43	1.95	1.98	6.33	0.81	0.71	0.72	0.72	0.70	0.71	0.80	0.92	1.03	1.028
Interest Burden (EBT/EBIT)	0.80	0.73	0.67	0.61	0.63	0.60	0.55	-0.32	-0.29	-0.25	-0.05	0.58	0.60	0.67	0.69	0.72	0.73	0.78	0.75	0.97	0.969
EBIT Margin	0.20	0.17	0.15	0.15	0.17	0.17	0.16	0.06	0.06	0.06	0.07	0.16	0.16	0.18	0.18	0.19	0.19	0.24	0.25	0.20	0.201
Asset Turnover	0.28	0.31	0.34	0.36	0.31	0.31	0.32	0.33	0.34	0.35	0.35	0.37	0.38	0.39	0.39	0.40	0.41	0.41	0.42	0.43	0.434
Equity Multiplier	3.09	2.91	2.82	2.79	3.01	2.87	2.80	2.86	2.78	2.72	2.67	2.71	2.69	2.60	2.56	2.55	2.55	2.52	2.49	2.49	2.489

Per Share

Metric	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	Q3'26	Current
EPS (Diluted TTM)	$7.18	$6.77	$6.61	$6.42	$1.40	$1.41	$1.20	$-0.86	$-0.64	$-0.58	$-0.42	$1.55	$1.44	$1.86	$1.99	$2.13	$2.34	$3.62	$4.38	$5.24	$5.24
Book Value/Share	$20.23	$20.91	$20.92	$20.98	$21.59	$21.81	$22.48	$20.37	$20.63	$20.87	$21.18	$21.40	$21.37	$22.23	$22.92	$22.68	$22.78	$24.41	$25.00	$25.18	$26.17
Tangible Book/Share	$-27.89	$-26.75	$-27.78	$-26.72	$-26.19	$-25.67	$-24.98	$-24.26	$-24.10	$-23.27	$-22.63	$-21.95	$-21.21	$-20.18	$-20.16	$-19.99	$-20.11	$-23.55	$-23.18	$-22.75	$-22.75
Revenue/Share	$14.59	$15.75	$16.89	$17.89	$19.21	$19.23	$19.32	$19.54	$19.72	$20.03	$20.41	$20.82	$21.21	$21.58	$22.10	$22.52	$23.48	$24.28	$25.28	$26.16	$26.37
FCF/Share	$3.02	$2.25	$0.33	$-0.18	$-0.01	$0.30	$1.98	$1.79	$1.71	$1.60	$2.05	$2.44	$2.62	$2.58	$2.52	$2.92	$3.39	$3.58	$4.07	$4.73	$4.76
OCF/Share	$4.18	$3.49	$1.62	$1.16	$1.54	$1.87	$3.63	$3.44	$3.30	$3.17	$3.58	$3.94	$4.22	$4.21	$4.19	$4.68	$5.07	$5.24	$5.69	$6.27	$6.32
Cash/Share	$9.55	$6.73	$2.72	$3.10	$3.04	$2.28	$2.29	$2.19	$2.46	$2.23	$2.80	$3.28	$3.46	$3.10	$3.50	$3.82	$4.39	$3.76	$4.33	$4.59	$4.62
EBITDA/Share	$4.74	$4.74	$4.80	$5.09	$5.89	$5.97	$5.81	$3.81	$3.85	$3.88	$4.09	$6.01	$6.10	$6.63	$6.80	$7.11	$7.46	$8.77	$9.46	$9.24	$9.24
Debt/Share	$33.77	$31.59	$31.44	$31.23	$30.07	$29.38	$28.84	$28.35	$28.04	$27.88	$27.41	$26.74	$26.41	$26.34	$26.35	$26.26	$26.47	$29.20	$29.22	$28.33	$28.33
Net Debt/Share	$24.21	$24.86	$28.72	$28.13	$27.02	$27.10	$26.54	$26.16	$25.58	$25.65	$24.61	$23.46	$22.95	$23.23	$22.86	$22.44	$22.07	$25.43	$24.88	$23.75	$23.75

Academic Models

Metric	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	Q3'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	10.860
Altman Z-Prime	snapshot only																				3.814
Piotroski F-Score	3	5	3	3	7	5	5	4	4	5	5	7	8	7	7	7	8	7	8	8	8
Beneish M-Score	-1.76	-1.94	-1.73	-1.67	-2.33	-2.30	-2.57	-2.75	-2.48	-2.65	-2.71	-2.52	-2.63	-2.43	-2.27	-2.36	-2.67	-2.51	-2.59	-2.49	-2.486
Ohlson O-Score	snapshot only																				-8.052
Net-Net WC	snapshot only																				$-25.41
EVA	snapshot only																				$235840576.00

Credit

Metric	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	Q3'26	Current
Credit Rating	snapshot only																				A+
Credit Score	74.47	74.53	73.99	72.73	66.28	66.40	68.50	49.78	47.59	50.52	49.94	66.25	67.51	70.03	70.86	71.00	70.71	74.12	75.28	76.43	76.433
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				5.435
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				42
Sector Credit Rank	snapshot only																				72

TRU 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

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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