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UPBD NASDAQ

Upbound Group, Inc.
1W: -1.1% 1M: -15.4% 3M: -22.5% YTD: -8.3% 1Y: -28.7% 3Y: -37.9% 5Y: -66.2%
$15.91
+0.23 (+1.47%)
 
Weekly Expected Move ±3.8%
$15 $15 $16 $17 $17
NASDAQ · Technology · Software - Application · Tech Score Sell · Power 35 · $927.5M mcap · 55M float · 1.77% daily turnover · Short 66% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

Edge Score

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

NO EDGE
38.9 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 7.2%  ·  5Y Avg: 3.3%
Cost Advantage ★
71
Intangibles
21
Switching Cost
38
Network Effect
33
Scale
33
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. UPBD has No discernible competitive edge (38.9/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 7.2% 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
$28
Low
$28
Avg Target
$28
High
Based on 1 analyst since Jul 30, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 15Hold: 5Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$28.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-07-31 BTIG Vincent Caintic $45 $28 -17 +39.2% $20.12
2024-11-01 Loop Capital Markets Anthony Chukumba $36 $33 -3 +12.0% $29.46
2024-09-13 Loop Capital Markets Anthony Chukumba Initiated $36 — +20.7% $29.82
2024-06-06 BTIG Vincent Caintic Initiated $45 — +35.8% $33.13
2024-06-04 KeyBanc Bradley Thomas Initiated $41 — +26.4% $32.44

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 02, 2026
DCF
5
ROE
3
ROA
3
D/E
1
P/E
3
P/B
4
The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. UPBD receives an overall rating of B+. Strongest factors: DCF (5/5), P/B (4/5). Areas of concern: D/E (1/5).
Rating Change History
DateFromTo
2026-10-01 A- B+
2026-08-17 B+ A-
2026-08-14 A- B+
2026-08-03 B+ A-
2026-07-01 A- B+
2026-05-04 B A-
2026-05-01 A- B
2026-04-21 B+ A-
2026-04-10 A- B+
2026-03-20 B+ A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 52 Grade C
Profitability
33
Balance Sheet
34
Earnings Quality
72
Growth
36
Value
71
Momentum
67
Safety
65
Cash Flow
70
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. UPBD scores highest in Earnings Quality (72/100) and lowest in Profitability (33/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

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

Altman Z-Score
2.54
Grey Zone
Piotroski F-Score
7/9
✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓ ✓
Beneish M-Score
-3.00
Unlikely Manipulator
Ohlson O-Score
-5.88
Bankruptcy prob: 0.3%
Low Risk
Credit Rating
BB+
Score: 48.8/100
Trend: Deteriorating
Earnings Quality
75/100
OCF/NI: 5.03x
Accruals: -11.7%
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. UPBD scores 2.54, 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. UPBD 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. UPBD's score of -3.00 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. UPBD's implied 0.3% 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. UPBD receives an estimated rating of BB+ (score: 48.8/100), 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). UPBD'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
10.01x
PEG
-0.74x
P/S
0.20x
P/B
1.23x
P/FCF
2.75x
P/OCF
2.74x
EV/EBITDA
2.05x
EV/Revenue
0.60x
EV/EBIT
11.89x
EV/FCF
6.30x
Earnings Yield
7.27%
FCF Yield
36.34%
Shareholder Yield
7.28%
Graham Number
$20.86
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 10.0x earnings, UPBD trades at a reasonable valuation. An earnings yield of 7.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $20.86 per share, suggesting a potential 31% 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
0.694
NI / EBT
×
Interest Burden
0.544
EBT / EBIT
×
EBIT Margin
0.050
EBIT / Rev
×
Asset Turnover
1.531
Rev / Assets
×
Equity Multiplier
4.369
Assets / Equity
=
ROE
12.7%
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. UPBD's ROE of 12.7% is driven by financial leverage (equity multiplier: 4.37x). Note: high leverage means ROE is amplified by debt rather than operational performance.

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
$13.12
Price/Value
1.62x
Margin of Safety
-61.77%
Premium
61.77%
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 UPBD's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. UPBD trades at a 62% premium to its adjusted intrinsic value of $13.12, 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 10.0x.

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
$15.91
Median 1Y
$13.82
5th Pctile
$6.12
95th Pctile
$31.16
Ann. Volatility
49.5%
Analyst Target
$28.00
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

ExecutiveSalaryStockTotal
Fahmi Karam Officer;
ecutive Officer; former Executive Vice President − Chief Financial Officer
 $1,081,183 $5,024,042 $7,363,260
Mitchell Fadel
Former Chief Executive Officer
 $507,058 $6,447,533 $6,978,541
Hal Khouri −
xecutive Vice President − Chief Financial Officer
 $77,885 $1,499,994 $2,003,632
Tyler Montrone −
xecutive Vice President − Acima
 $486,154 $844,579 $1,580,571
Anthony Blasquez −
xecutive Vice President − Rent-A-Center
 $482,308 $835,952 $1,572,757
Bryan Pechersky President−
Vice President− General Counsel and Corporate Secretary
 $453,077 $560,231 $1,256,307

CEO Pay Ratio

75:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $7,363,260
Avg Employee Cost (SGA/emp): $98,081
Employees: 12,050

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
12,050
+0.7% YoY
Revenue / Employee
$389,632
Rev: $4,695,061,000
Profit / Employee
$6,078
NI: $73,242,000
SGA / Employee
$98,081
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
ROE 26.0% 24.4% 13.9% 6.7% 2.8% 2.4% 10.7% -0.2% 1.5% -1.0% -4.0% 9.0% 13.4% 20.8% 19.2% 15.9% 13.0% 11.1% 12.1% 12.7% 12.73%
ROA 7.7% 5.7% 3.0% 1.6% 0.7% 0.4% 2.3% -0.1% 0.3% -0.2% -0.9% 2.1% 3.1% 4.6% 4.3% 3.6% 2.9% 2.5% 2.7% 2.9% 2.91%
ROIC 10.4% 8.6% 6.7% 4.2% 2.1% 1.5% 46.8% -0.4% 1.6% -0.8% -2.1% 4.8% 7.1% 9.4% 8.2% 7.0% 6.5% 6.2% 6.9% 7.2% 7.17%
ROCE 11.3% 10.4% 9.6% 7.3% 6.3% 6.8% 4.6% 6.1% 7.0% 7.9% 12.0% 11.3% 12.2% 13.5% 11.4% 10.3% 9.2% 8.6% 9.2% 9.3% 9.31%
Gross Margin 48.1% 48.5% 47.1% 49.7% 49.4% 50.0% 49.8% 51.7% 50.8% 50.3% 48.3% 49.4% 47.8% 47.1% 46.8% 49.4% 48.3% 35.1% 48.1% 51.1% 51.13%
Operating Margin 5.7% 3.1% 1.0% 5.4% 3.6% 4.3% -3.5% 8.6% 5.9% 5.5% 5.6% 7.5% 6.6% 7.3% 5.3% 4.4% 4.5% 4.8% 6.3% 4.7% 4.66%
Net Margin 1.8% 0.8% -0.4% 1.8% -0.6% 0.3% 4.7% -4.7% 0.4% -1.1% 2.5% 3.2% 2.9% 2.9% 2.1% 1.3% 1.1% 1.7% 2.9% 1.9% 1.86%
EBITDA Margin 37.3% 35.9% 4.5% 8.3% 6.7% 7.4% -0.4% 40.7% 39.1% 8.7% 8.5% 9.6% 9.2% 4.1% 6.4% 37.0% 37.0% 6.0% 37.5% 36.6% 36.59%
FCF Margin 5.1% 7.2% 8.4% 7.9% 9.3% 9.6% 7.7% 6.8% 5.8% 3.7% 2.1% 1.5% 2.0% 2.4% 4.5% 4.2% 4.3% 6.5% 7.0% 9.5% 9.51%
OCF Margin 6.5% 8.6% 9.8% 9.4% 10.8% 11.0% 9.0% 8.1% 7.0% 5.0% 3.4% 2.8% 3.5% 2.4% 4.5% 4.2% 4.4% 6.5% 7.1% 9.6% 9.57%
ROE 3Y Avg snapshot only 12.13%
ROE 5Y Avg snapshot only 8.90%
ROA 3Y Avg snapshot only 2.77%
ROIC 3Y Avg snapshot only 3.98%
ROIC Economic snapshot only 7.14%
Cash ROA snapshot only 14.63%
Cash ROIC snapshot only 19.43%
CROIC snapshot only 19.32%
NOPAT Margin snapshot only 3.53%
Pretax Margin snapshot only 2.75%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 19.67%
SBC / Revenue snapshot only 1.57%
Valuation
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
P/E Ratio 16.69 18.41 12.22 20.45 40.76 87.51 18.37 -1054.23 167.00 -317.27 -70.47 28.51 20.02 12.30 10.81 13.88 16.12 14.03 12.27 13.75 10.006
P/S Ratio 0.73 0.54 0.23 0.21 0.18 0.25 0.29 0.37 0.37 0.41 0.43 0.37 0.38 0.35 0.30 0.32 0.30 0.22 0.22 0.26 0.195
P/B Ratio 3.55 4.84 2.06 1.70 1.45 2.06 1.75 2.39 2.44 2.93 3.02 2.62 2.66 2.41 1.92 2.07 1.98 1.48 1.44 1.69 1.231
P/FCF 14.52 7.53 2.73 2.64 1.93 2.66 3.74 5.51 6.38 11.19 20.67 25.78 19.00 14.50 6.58 7.57 6.91 3.36 3.10 2.75 2.752
P/OCF 11.36 6.33 2.33 2.22 1.66 2.31 3.19 4.63 5.27 8.20 12.47 13.14 11.06 14.50 6.62 7.47 6.74 3.36 3.05 2.74 2.736
EV/EBITDA 3.05 2.57 1.95 2.51 3.67 9.26 11.62 5.50 3.40 3.64 3.37 4.61 7.97 8.97 9.34 4.89 3.15 2.75 1.92 2.05 2.053
EV/Revenue 1.08 0.93 0.57 0.55 0.52 0.62 0.64 0.73 0.73 0.79 0.80 0.74 0.72 0.70 0.68 0.70 0.67 0.59 0.56 0.60 0.600
EV/EBIT 15.72 16.00 12.49 15.12 16.10 17.59 25.67 22.74 19.07 18.94 12.30 12.15 11.53 10.55 10.40 11.90 12.70 12.50 11.29 11.89 11.888
EV/FCF 21.34 12.86 6.80 6.97 5.60 6.42 8.39 10.85 12.66 21.44 38.31 50.84 35.68 29.03 15.15 16.87 15.68 9.05 8.00 6.30 6.304
Earnings Yield 6.0% 5.4% 8.2% 4.9% 2.5% 1.1% 5.4% -0.1% 0.6% -0.3% -1.4% 3.5% 5.0% 8.1% 9.2% 7.2% 6.2% 7.1% 8.1% 7.3% 7.27%
FCF Yield 6.9% 13.3% 36.6% 37.9% 51.8% 37.6% 26.7% 18.1% 15.7% 8.9% 4.8% 3.9% 5.3% 6.9% 15.2% 13.2% 14.5% 29.7% 32.2% 36.3% 36.34%
EV/OCF snapshot only 6.267
EV/Gross Profit snapshot only 1.314
Acquirers Multiple snapshot only 11.771
Shareholder Yield snapshot only 7.28%
Graham Number snapshot only $20.86
Leverage & Solvency
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Current Ratio 2.94 0.55 2.61 2.86 2.99 2.43 2.69 2.79 2.95 2.46 3.34 3.79 3.51 2.91 3.02 3.01 0.89 2.52 0.79 0.87 0.873
Quick Ratio 0.62 0.53 0.49 0.59 0.73 0.51 0.61 0.49 0.58 0.42 0.55 0.65 0.69 2.91 3.02 0.72 0.88 0.67 0.78 0.87 0.865
Debt/Equity 1.85 3.64 3.25 3.00 3.06 3.19 2.44 2.46 2.58 2.86 2.73 2.68 2.47 2.52 2.66 2.70 2.67 2.67 2.41 2.33 2.329
Net Debt/Equity 1.67 3.43 3.07 2.80 2.76 2.91 2.18 2.32 2.40 2.69 2.58 2.54 2.33 2.42 2.50 2.54 2.51 2.50 2.28 2.19 2.186
Debt/Assets 0.52 0.62 0.61 0.61 0.61 0.61 0.60 0.59 0.59 0.59 0.60 0.61 0.59 0.60 0.59 0.60 0.57 0.57 0.55 0.55 0.550
Debt/EBITDA 1.08 1.13 1.24 1.67 2.67 5.94 7.20 2.87 1.81 1.85 1.64 2.40 3.95 4.67 5.62 2.86 1.87 1.84 1.24 1.23 1.233
Net Debt/EBITDA 0.97 1.07 1.17 1.56 2.40 5.43 6.44 2.70 1.68 1.74 1.55 2.27 3.73 4.49 5.28 2.69 1.76 1.72 1.17 1.16 1.157
Interest Coverage 5.10 3.74 2.76 2.18 1.80 1.69 1.06 1.22 1.37 1.47 2.29 2.19 2.32 2.61 2.67 2.45 2.20 1.96 2.11 2.19 2.194
Equity Multiplier 3.58 5.83 5.31 4.95 5.05 5.26 4.09 4.13 4.40 4.86 4.54 4.39 4.21 4.21 4.48 4.52 4.67 4.71 4.37 4.23 4.232
Cash Ratio snapshot only 0.197
Debt Service Coverage snapshot only 12.706
Cash to Debt snapshot only 0.062
FCF to Debt snapshot only 0.264
Defensive Interval snapshot only 58.9 days
Efficiency & Turnover
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Asset Turnover 1.75 1.93 1.63 1.58 1.52 1.47 1.49 1.50 1.47 1.46 1.52 1.60 1.64 1.61 1.55 1.57 1.58 1.58 1.54 1.53 1.531
Inventory Turnover 1.96 396.56 2.02 2.00 1.93 3.81 1.85 1.82 1.80 1.66 1.79 1.85 1.94 3.61 3.85 1.95 4.14 3.92 1028.12 4.26 4.263
Receivables Turnover 39.81 42.36 39.80 37.67 36.11 35.64 36.79 36.22 36.37 35.83 38.75 38.98 46.78 32.31 35.88 29.39 32.64 26.11 28.52 24.01 24.011
Payables Turnover 12.46 14.60 15.68 16.07 15.68 14.88 16.54 17.81 14.40 11.84 17.00 19.30 16.91 15.31 19.25 20.82 17.42 19.22 22.53 22.58 22.577
DSO 9 9 9 10 10 10 10 10 10 10 9 9 8 11 10 12 11 14 13 15 15.2 days
DIO 187 1 180 183 189 96 197 201 203 220 204 198 188 101 95 188 88 93 0 86 85.6 days
DPO 29 25 23 23 23 25 22 20 25 31 21 19 22 24 19 18 21 19 16 16 16.2 days
Cash Conversion Cycle 167 -15 166 170 176 82 185 191 187 199 192 188 174 89 86 182 78 88 -3 85 84.7 days
Fixed Asset Turnover snapshot only 2.676
Operating Cycle snapshot only 100.8 days
Cash Velocity snapshot only 45.054
Capital Intensity snapshot only 0.654
Growth (YoY)
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue 49.3% 62.9% 49.5% 25.3% 7.2% -7.4% -12.8% -12.5% -10.4% -6.0% -0.7% 4.0% 7.4% 8.2% 8.1% 7.5% 7.5% 8.7% 7.7% 5.9% 5.85%
Net Income -5.7% -35.2% -56.2% -79.2% -89.2% -90.8% -27.5% -1.0% -55.3% -1.4% -1.4% 39.6% 8.3% 24.8% 5.9% 86.5% 4.0% -40.7% -30.1% -11.5% -11.54%
EPS -23.1% -44.1% -46.0% -76.4% -86.8% -89.5% -30.9% -1.0% -56.5% -1.4% -1.4% 39.2% 8.5% 24.2% 5.6% 77.6% -1.4% -43.4% -30.4% -11.3% -11.35%
FCF -17.2% 63.3% 36.9% 92.9% 97.6% 23.4% -20.4% -24.8% -44.6% -63.9% -73.1% -77.7% -62.5% -28.7% 1.3% 2.1% 1.3% 1.9% 68.0% 1.4% 1.41%
EBITDA 54.6% 77.9% 33.3% -21.5% -56.9% -82.9% -83.5% -46.5% 35.1% 2.1% 3.2% 24.5% -54.9% -60.8% -66.5% -3.2% 1.6% 2.0% 3.3% 1.1% 1.14%
Op. Income 19.1% 18.2% -14.3% -44.4% -52.1% -47.1% -53.8% -25.9% 4.4% 9.6% 1.5% 99.8% 79.7% 79.1% 12.6% 2.4% -8.6% -23.4% -18.6% -7.9% -7.95%
OCF Growth snapshot only 1.39%
Asset Growth snapshot only 0.27%
Equity Growth snapshot only 6.97%
Debt Growth snapshot only -7.56%
Shares Change snapshot only -0.22%
Dividend Growth snapshot only 7.79%
Growth (CAGR)
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue 3Y 16.1% 19.9% 21.0% 19.9% 18.4% 16.7% 15.3% 14.0% 12.8% 12.4% 8.9% 4.4% 1.0% -1.9% -2.2% -0.7% 1.1% 3.4% 4.9% 5.8% 5.77%
Revenue 5Y 6.1% 9.1% 10.4% 10.4% 10.0% 9.5% 9.1% 8.7% 8.5% 8.5% 8.9% 9.4% 9.8% 10.1% 10.5% 10.6% 10.6% 10.8% 8.5% 5.3% 5.33%
EPS 3Y 51.9% 1.4% 36.7% -28.0% -47.3% -58.5% -33.4% — -64.6% — — -33.3% -18.2% 2.1% 8.0% 30.7% 59.7% 78.8% 8.3% — —
EPS 5Y — — — — — 12.1% — — -27.4% — — -14.0% -9.6% -6.3% -11.6% -9.6% -16.1% -19.6% -13.9% -14.1% -14.13%
Net Income 3Y 63.3% 1.5% 35.2% -26.3% -47.5% -58.6% -33.3% — -64.3% — — -37.5% -23.5% -2.9% 11.0% 29.9% 63.0% 81.0% 9.6% — —
Net Income 5Y — — — — — 13.2% — — -26.9% — — -14.0% -9.6% -6.6% -11.0% -8.5% -15.2% -18.8% -16.0% -16.6% -16.62%
EBITDA 3Y 1.9% 1.3% 62.8% 33.7% 3.1% -28.7% -34.7% -15.5% -3.5% -2.3% -2.3% -19.4% -36.0% -41.0% -38.4% -13.6% 15.9% 52.8% 82.9% 37.2% 37.24%
EBITDA 5Y — 1.6% — 61.7% 57.7% 10.9% 7.8% 81.9% 70.5% 44.5% 24.7% 9.7% -7.8% -15.3% -16.9% -6.2% 0.7% 1.6% 6.1% 1.7% 1.66%
Gross Profit 3Y 7.6% 9.8% 10.6% 10.1% 9.2% 8.1% 7.6% 7.3% 6.6% 6.5% 5.1% 2.0% -0.2% -2.4% -2.5% -1.1% 0.6% 0.4% 1.6% 2.4% 2.45%
Gross Profit 5Y 0.7% 2.9% 4.0% 4.3% 4.2% 3.9% 3.8% 3.6% 3.6% 3.7% 4.1% 4.5% 4.8% 4.8% 5.1% 5.6% 5.8% 4.7% 4.0% 2.1% 2.11%
Op. Income 3Y — 71.0% 38.3% -2.4% -10.5% -16.4% -28.9% -15.0% -15.8% -11.8% 0.2% -6.3% -3.5% 1.3% 9.7% 14.9% 19.7% 14.6% 32.5% 23.5% 23.49%
Op. Income 5Y — — — — — — — — — 23.7% 25.4% 6.6% 6.1% 2.8% 0.5% 4.6% -0.4% -1.2% -1.6% -4.9% -4.94%
FCF 3Y 18.8% 18.2% 26.0% 12.6% 17.5% 28.0% 25.4% 2.2% -3.2% -10.1% -33.5% -31.3% -25.7% -31.8% -20.5% -19.7% -21.8% -9.1% 2.0% 18.5% 18.47%
FCF 5Y -6.3% 2.4% 27.3% 32.2% 54.5% 55.3% 30.3% 22.0% 12.9% -5.9% -15.6% -24.9% -19.6% -11.6% 4.5% -5.9% -4.8% 8.6% 2.9% 19.3% 19.26%
OCF 3Y 18.8% 19.9% 28.3% 16.7% 20.7% 29.6% 25.4% 4.3% -0.9% -5.4% -24.4% -20.0% -18.0% -35.6% -24.7% -23.8% -25.0% -13.3% -2.8% 12.0% 11.98%
OCF 5Y -5.6% 2.1% 19.9% 21.4% 33.1% 33.5% 22.1% 18.0% 11.7% -2.5% -8.5% -15.1% -11.6% -13.4% 1.0% -7.8% -6.6% 5.3% 0.8% 14.3% 14.34%
Assets 3Y 31.2% 28.9% 18.2% 16.6% 22.7% 20.4% 19.5% 17.9% 16.3% 15.8% -4.4% -4.8% -5.5% -4.0% 3.1% 3.8% 5.1% 5.8% 4.5% 6.3% 6.27%
Assets 5Y 11.8% 13.3% 13.2% 13.4% 14.1% 14.2% 14.6% 13.6% 14.2% 14.3% 9.3% 8.5% 11.5% 10.9% 13.6% 14.4% 14.0% 13.3% 0.8% 0.4% 0.45%
Equity 3Y 44.4% 21.5% 21.1% 12.6% 8.3% 4.6% 12.1% 8.7% 3.3% -1.8% -8.0% -10.3% -10.5% 7.0% 9.1% 7.0% 7.8% 9.8% 2.2% 5.4% 5.44%
Book Value 3Y 34.3% 14.9% 22.4% 10.0% 8.7% 4.7% 11.9% 8.7% 2.5% -0.8% -2.5% -4.3% -4.4% 12.6% 6.1% 7.7% 5.6% 8.5% 1.0% 3.4% 3.42%
Dividend 3Y -3.1% -1.4% 6.6% 2.1% 4.9% 3.5% 3.3% 3.4% 1.1% 2.6% 3.9% 5.2% 5.8% 4.9% -1.4% 2.0% 0.1% 1.0% 1.7% 0.5% 0.50%
Growth Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue Stability 0.21 0.32 0.47 0.62 0.68 0.63 0.67 0.72 0.69 0.58 0.59 0.66 0.61 0.48 0.48 0.58 0.71 0.84 0.94 0.98 0.980
Earnings Stability 0.72 0.77 0.61 0.46 0.33 0.07 0.09 0.02 0.11 0.12 0.24 0.39 0.44 0.39 0.49 0.30 0.34 0.23 0.17 0.10 0.096
Margin Stability 0.90 0.89 0.89 0.88 0.88 0.87 0.88 0.88 0.88 0.88 0.89 0.89 0.89 0.89 0.89 0.90 0.90 0.89 0.92 0.94 0.942
Rev. Growth Consistency 1.00 1.00 1.00 1.00 1.00 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
Earn. Growth Consistency 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 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 0.98 0.86 0.50 0.50 0.50 0.50 0.89 0.20 0.50 0.20 0.20 0.20 0.50 0.20 0.20 0.50 0.98 0.50 0.50 0.95 0.954
Earnings Smoothness 0.94 0.57 0.22 0.00 0.00 0.00 0.68 — 0.24 — — — 0.00 — — 0.40 0.96 0.49 0.65 0.88 0.878
ROE Trend -0.12 -0.10 -0.19 -0.22 -0.25 -0.28 -0.12 -0.18 -0.11 -0.15 -0.17 0.05 0.11 0.19 0.15 0.10 0.05 0.01 0.05 0.00 0.003
Gross Margin Trend -0.10 -0.12 -0.10 -0.08 -0.07 -0.05 -0.02 -0.01 0.01 0.02 0.01 0.00 -0.01 -0.02 -0.02 -0.02 -0.02 -0.05 -0.04 -0.03 -0.031
FCF Margin Trend -0.04 -0.00 0.01 0.01 0.02 0.02 -0.01 0.00 -0.01 -0.05 -0.06 -0.06 -0.06 -0.04 -0.00 0.00 0.00 0.03 0.04 0.07 0.067
Sustainable Growth Rate 16.1% 11.5% 2.0% -4.2% -8.4% -12.9% -3.3% — -13.0% — — -4.2% 0.1% 6.9% 6.1% 2.8% -0.2% -2.2% -0.8% -0.0% -0.01%
Internal Growth Rate 5.0% 2.7% 0.4% — — — — — — — — — 0.0% 1.6% 1.4% 0.6% — — — — —
Cash Flow Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
OCF/Net Income 1.47 2.91 5.24 9.21 24.49 37.91 5.77 -227.84 31.68 -38.67 -5.65 2.17 1.81 0.85 1.63 1.86 2.39 4.17 4.02 5.03 5.025
FCF/OCF 0.78 0.84 0.85 0.84 0.86 0.87 0.85 0.84 0.83 0.73 0.60 0.51 0.58 1.00 1.01 0.99 0.97 1.00 0.98 0.99 0.994
FCF/Net Income snapshot only 4.996
OCF/EBITDA snapshot only 0.328
CapEx/Revenue 1.4% 1.4% 1.4% 1.5% 1.5% 1.4% 1.3% 1.3% 1.2% 1.3% 1.4% 1.4% 1.4% 0.0% 0.0% 0.1% 0.1% 0.0% 0.1% 0.1% 0.06%
CapEx/Depreciation snapshot only 0.002
Accruals Ratio -0.04 -0.11 -0.13 -0.13 -0.16 -0.16 -0.11 -0.12 -0.10 -0.07 -0.06 -0.02 -0.03 0.01 -0.03 -0.03 -0.04 -0.08 -0.08 -0.12 -0.117
Sloan Accruals snapshot only -0.733
Cash Flow Adequacy snapshot only 4.881
Earnings Quality Score snapshot only 0.750
Dividends & Buybacks
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Dividend Yield 2.3% 2.9% 7.0% 8.0% 9.9% 7.3% 7.1% 5.6% 5.7% 5.1% 4.5% 5.2% 5.0% 5.4% 6.3% 5.9% 6.3% 8.5% 8.7% 7.3% 9.81%
Dividend/Share $1.01 $1.10 $1.40 $1.27 $1.42 $1.40 $1.48 $1.52 $1.46 $1.53 $1.42 $1.44 $1.45 $1.47 $1.41 $1.43 $1.46 $1.50 $1.53 $1.54 $1.56
Payout Ratio 38.0% 53.0% 85.6% 1.6% 4.0% 6.4% 1.3% — 9.5% — — 1.5% 99.3% 66.7% 68.2% 82.3% 1.0% 1.2% 1.1% 1.0% 1.00%
FCF Payout Ratio 33.1% 21.7% 19.1% 21.0% 19.1% 19.5% 26.6% 31.0% 36.4% 56.5% 93.4% 1.3% 94.3% 78.6% 41.5% 44.9% 43.7% 28.8% 26.9% 20.0% 20.02%
Total Payout Ratio 49.1% 3.4% 5.4% 10.2% 25.0% 13.2% 2.5% — 17.8% — — 2.4% 1.3% 66.7% 68.2% 82.3% 1.0% 1.2% 1.1% 1.0% 1.00%
Div. Increase Streak 1 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0 1 1 0
Chowder Number 0.15 0.16 0.24 0.22 0.24 0.18 0.18 0.16 0.11 0.10 -0.01 0.01 0.02 0.05 0.10 0.10 0.13 0.15 0.18 0.15 0.148
Buyback Yield 0.7% 15.7% 37.0% 42.0% 51.4% 7.8% 6.7% 5.2% 5.0% 3.2% 2.9% 3.2% 1.6% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Net Buyback Yield 0.1% 15.2% 36.8% 41.9% 51.4% 7.8% 6.7% 5.2% 4.9% 3.2% 2.8% 3.2% 1.5% -0.1% -0.1% -0.1% -0.1% 0.0% -0.0% -0.0% -0.00%
Total Shareholder Return 2.4% 18.1% 43.8% 49.8% 61.3% 15.1% 13.8% 10.8% 10.6% 8.3% 7.3% 8.3% 6.5% 5.3% 6.3% 5.9% 6.2% 8.5% 8.7% 7.3% 7.27%
DuPont Factors
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Tax Burden (NI/EBT) 0.80 0.69 0.64 0.52 0.31 0.20 9.74 -0.06 0.21 -0.10 -0.17 0.40 0.54 0.70 0.67 0.65 0.64 0.68 0.68 0.69 0.694
Interest Burden (EBT/EBIT) 0.80 0.73 0.64 0.54 0.44 0.41 0.06 0.19 0.27 0.32 0.56 0.54 0.57 0.62 0.62 0.59 0.55 0.49 0.52 0.54 0.544
EBIT Margin 0.07 0.06 0.05 0.04 0.03 0.03 0.03 0.03 0.04 0.04 0.06 0.06 0.06 0.07 0.07 0.06 0.05 0.05 0.05 0.05 0.050
Asset Turnover 1.75 1.93 1.63 1.58 1.52 1.47 1.49 1.50 1.47 1.46 1.52 1.60 1.64 1.61 1.55 1.57 1.58 1.58 1.54 1.53 1.531
Equity Multiplier 3.38 4.29 4.57 4.19 4.15 5.54 4.62 4.52 4.71 5.05 4.30 4.26 4.30 4.52 4.51 4.46 4.46 4.47 4.42 4.37 4.369
Per Share
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
EPS (Diluted TTM) $2.66 $2.08 $1.64 $0.78 $0.35 $0.22 $1.13 $-0.03 $0.15 $-0.10 $-0.44 $0.98 $1.45 $2.21 $2.07 $1.74 $1.43 $1.25 $1.44 $1.54 $1.54
Book Value/Share $12.52 $7.90 $9.73 $9.37 $9.90 $9.30 $11.88 $11.32 $10.51 $10.31 $10.36 $10.68 $10.96 $11.26 $11.64 $11.69 $11.67 $11.89 $12.23 $12.53 $12.93
Tangible Book/Share $0.99 $-3.10 $-3.15 $-2.00 $-2.09 $-2.20 $0.63 $0.10 $-0.15 $-0.57 $0.00 $0.52 $1.00 $1.50 $-3.48 $-3.07 $-2.80 $-2.43 $-1.83 $-1.27 $-1.27
Revenue/Share $60.54 $70.53 $87.56 $76.81 $79.93 $75.18 $72.68 $72.58 $69.74 $73.45 $72.96 $74.67 $76.28 $77.37 $75.41 $76.40 $77.74 $80.21 $80.95 $81.05 $83.62
FCF/Share $3.06 $5.08 $7.34 $6.05 $7.44 $7.21 $5.56 $4.91 $4.01 $2.70 $1.52 $1.08 $1.53 $1.88 $3.40 $3.19 $3.34 $5.22 $5.69 $7.71 $6.27
OCF/Share $3.91 $6.04 $8.59 $7.19 $8.63 $8.30 $6.53 $5.85 $4.86 $3.68 $2.51 $2.13 $2.63 $1.88 $3.38 $3.24 $3.43 $5.22 $5.78 $7.76 $7.50
Cash/Share $2.33 $1.67 $1.78 $1.88 $2.99 $2.55 $3.04 $1.57 $1.86 $1.72 $1.52 $1.48 $1.52 $1.09 $1.84 $1.82 $1.82 $2.06 $1.68 $1.80 $1.86
EBITDA/Share $21.44 $25.42 $25.60 $16.79 $11.37 $4.99 $4.02 $9.70 $14.96 $15.93 $17.24 $11.95 $6.86 $6.07 $5.52 $11.02 $16.62 $17.20 $23.72 $23.67 $23.67
Debt/Share $23.20 $28.74 $31.66 $28.11 $30.33 $29.65 $28.93 $27.82 $27.07 $29.44 $28.26 $28.64 $27.09 $28.34 $30.99 $31.50 $31.12 $31.72 $29.52 $29.18 $29.18
Net Debt/Share $20.87 $27.07 $29.88 $26.23 $27.34 $27.10 $25.88 $26.25 $25.21 $27.71 $26.74 $27.17 $25.57 $27.25 $29.15 $29.68 $29.30 $29.66 $27.84 $27.38 $27.38
Academic Models
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Altman Z-Score — — — — — — — — — — — — — — — — — — — — 2.536
Altman Z-Prime snapshot only 2.008
Piotroski F-Score 5 4 6 7 7 7 6 5 5 6 5 6 7 5 6 5 5 4 6 7 7
Beneish M-Score -0.08 -0.75 -3.08 -3.17 -3.45 -3.43 -3.19 -3.30 -3.08 -2.89 -2.92 -2.62 -2.33 -2.06 -1.51 -1.82 -2.40 -2.32 -3.31 -3.00 -2.997
Ohlson O-Score snapshot only -5.880
Net-Net WC snapshot only $-32.53
EVA snapshot only $-66007181.74
Credit
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Credit Rating snapshot only BB+
Credit Score 65.80 48.19 58.93 64.00 54.71 50.60 45.15 54.00 55.15 50.35 56.72 54.69 56.20 55.35 49.96 49.99 41.49 49.98 40.07 48.84 48.842
Credit Grade snapshot only 11
Credit Trend snapshot only -1.146
Implied Spread (bps) snapshot only 400.000
Industry Credit Rank snapshot only 38
Sector Credit Rank snapshot only 32

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