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USIO NASDAQ

Usio, Inc.
1W: +25.8% 1M: +2.5% 3M: +23.6% YTD: +112.3% 1Y: +113.9% 3Y: +79.8% 5Y: -53.3%
$2.93
+0.12 (+4.09%)
 
Weekly Expected Move ±8.3%
$2 $3 $3 $3 $3
NASDAQ · Technology · Software - Infrastructure · Tech Score Buy · Power 62 · $80.9M mcap · 19M float · 1.47% daily turnover · Short 46% 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
37.6 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: -5.5%  ·  5Y Avg: -7.0%
Cost Advantage ★
56
Intangibles
26
Switching Cost
32
Network Effect
39
Scale
40
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. USIO has No discernible competitive edge (37.6/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. Negative ROIC of -5.5% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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
Analyst Recommendations
Strong Buy: 0Buy: 3Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$—
Analysts0
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2024-05-17 H.C. Wainwright Scott Buck Initiated $4 — +132.6% $1.72
2022-07-05 Barrington Gary Prestopino Initiated $7 — +211.1% $2.25

Financial Rating

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

C
Oct 02, 2026
DCF
3
ROE
1
ROA
1
D/E
2
P/E
1
P/B
3
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. USIO receives an overall rating of C. Areas of concern: ROE (1/5), ROA (1/5), D/E (2/5), P/E (1/5).
Rating Change History
DateFromTo
2026-10-01 C+ C
2026-08-17 C C+
2026-08-14 C+ C
2026-08-10 B- C+
2026-07-07 C+ B-
2026-07-06 B- C+
2026-05-20 C+ B-
2026-05-14 B- C+
2026-05-13 C+ B-
2026-05-12 B- C+

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.

★ ★ ★ ★ ★ 15 Grade D
Profitability
9
Balance Sheet
36
Earnings Quality
72
Growth
41
Value
20
Momentum
41
Safety
15
Cash Flow
12
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. USIO scores highest in Earnings Quality (72/100) and lowest in Profitability (9/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman Z-Score
0.42
Distress Zone
Piotroski F-Score
5/9
✗ ✓ ✗ ✓ ✓ ✗ ✗ ✓ ✓
Beneish M-Score
-2.31
Unlikely Manipulator
Ohlson O-Score
-3.29
Bankruptcy prob: 3.6%
Low Risk
Credit Rating
B-
Score: 24.7/100
Trend: Deteriorating
Earnings Quality
—
OCF/NI: -0.43x
Accruals: -1.9%
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. USIO scores 0.42, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. 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. USIO scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. USIO's score of -2.31 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. USIO's implied 3.6% 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. USIO receives an estimated rating of B- (score: 24.7/100), with a deteriorating trend.

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
-52.89x
PEG
7.54x
P/S
0.87x
P/B
4.34x
P/FCF
-51.50x
P/OCF
105.17x
EV/EBITDA
84.24x
EV/Revenue
0.72x
EV/EBIT
-93.33x
EV/FCF
-49.50x
Earnings Yield
-2.19%
FCF Yield
-1.94%
Shareholder Yield
1.06%
Graham Number
—
Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. USIO currently has negative earnings — the P/E ratio is not meaningful.

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
1.922
NI / EBT
×
Interest Burden
1.105
EBT / EBIT
×
EBIT Margin
-0.008
EBIT / Rev
×
Asset Turnover
0.798
Rev / Assets
×
Equity Multiplier
6.186
Assets / Equity
=
ROE
-8.0%
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. USIO's ROE of -8.0% is driven by financial leverage (equity multiplier: 6.19x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 1.92 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
0.00%
Fair P/E
8.50x
Intrinsic Value
—
Price/Value
—
Margin of Safety
—
Premium
—

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
$2.93
Median 1Y
$2.17
5th Pctile
$0.58
95th Pctile
$8.16
Ann. Volatility
77.4%
25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

ExecutiveSalaryStockTotal
Louis A. Hoch
Chairman, President, and Chief Executive and Operating Officer
 $878,846 $462,240 $1,371,589
Greg Carter EVP,
Payment Acceptance
 $289,423 $97,920 $416,082
Houston Frost SVP,
Chief Product Officer
 $240,000 $97,920 $348,597
Michael White Accounting
unting Officer
 $219,423 $97,920 $333,540

CEO Pay Ratio

Insufficient data for pay ratio.

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
107
0.0% YoY
Revenue / Employee
$798,071
Rev: $85,393,626
Profit / Employee
$-23,480
NI: $-2,512,339
SGA / Employee
—
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 -1.3% -1.8% -7.2% -20.9% -34.0% -33.6% -24.0% -11.1% -4.5% -3.3% -5.0% -5.7% 16.0% 19.3% 19.4% 16.7% -2.1% -13.6% -11.6% -8.0% -8.04%
ROA -0.3% -0.3% -1.2% -4.3% -6.0% -4.7% -3.8% -1.7% -0.6% -0.5% -0.8% -0.8% 2.2% 3.1% 3.2% 2.7% -0.4% -2.1% -1.9% -1.3% -1.30%
ROIC 47.1% -0.8% -6.1% -18.3% -32.1% -36.6% -27.0% -10.8% -4.7% -9.0% -15.3% -18.6% -12.5% -69.0% -49.6% -1.3% 28.3% -13.0% -10.7% -5.5% -5.49%
ROCE -4.1% -0.7% -5.0% -17.4% -30.8% -31.9% -21.0% -8.2% -2.1% -1.0% -2.5% -3.1% -0.7% 3.3% 3.4% 1.4% 1.0% -9.3% -6.7% -3.2% -3.18%
Gross Margin 25.5% 26.2% 19.4% 20.1% 19.1% 22.0% 22.9% 24.2% 22.2% 20.5% 20.7% 23.9% 23.0% 24.6% 21.9% 23.4% 23.0% 21.9% 19.3% 24.2% 24.18%
Operating Margin 1.3% -0.0% -8.6% -11.5% -10.4% -0.5% 0.0% 1.1% -3.6% -4.0% -4.6% -1.0% -1.8% -2.9% -1.1% -2.0% -2.2% -5.7% 0.9% 1.6% 1.59%
Net Margin 0.9% 0.2% -9.0% -12.0% -10.8% -0.8% 0.1% 1.0% -3.4% 0.1% -1.2% 0.4% 13.4% 3.1% -1.1% -1.8% -2.0% -6.7% 0.5% 1.2% 1.18%
EBITDA Margin 5.4% 4.4% -4.6% -6.5% -6.5% 2.6% 2.9% 3.7% -0.6% 3.2% 2.0% 3.5% 1.6% 7.5% 1.5% 0.9% 0.5% -2.8% 2.1% 3.2% 3.21%
FCF Margin 16.9% 46.0% 16.5% 5.9% -3.9% -25.7% -15.1% 41.1% 56.4% 16.9% 17.6% -16.5% -39.0% 6.6% 7.8% 7.7% 13.6% -0.0% -0.6% -1.4% -1.45%
OCF Margin 19.3% 48.1% 18.1% 7.6% -2.5% -24.5% -13.8% 42.1% 57.3% 17.9% 18.5% -15.4% -37.8% 7.8% 9.2% 8.4% 14.3% 1.8% 1.2% 0.7% 0.71%
ROE 3Y Avg snapshot only 0.60%
ROE 5Y Avg snapshot only -6.23%
ROA 3Y Avg snapshot only 0.21%
ROIC 3Y Avg snapshot only 1.15%
ROIC Economic snapshot only -4.29%
Cash ROA snapshot only 0.53%
Cash ROIC snapshot only 4.07%
CROIC snapshot only -8.31%
NOPAT Margin snapshot only -0.96%
Pretax Margin snapshot only -0.85%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 21.33%
SBC / Revenue snapshot only 18839.04%
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 -711.33 -338.02 -59.33 -14.60 -5.00 -6.18 -11.99 -28.89 -53.95 -95.95 -60.58 -46.68 13.75 12.00 11.70 14.06 -98.48 -14.58 -14.68 -45.75 -52.888
P/S Ratio 2.74 1.76 1.09 0.73 0.39 0.49 0.63 0.63 0.43 0.55 0.55 0.50 0.46 0.48 0.46 0.48 0.46 0.43 0.36 0.75 0.873
P/B Ratio 8.60 5.82 4.14 3.16 1.89 2.43 3.19 3.26 2.36 3.03 2.94 2.58 1.96 2.07 2.05 2.16 2.04 2.04 1.74 3.67 4.337
P/FCF 16.18 3.81 6.59 12.44 -10.07 -1.90 -4.20 1.53 0.76 3.24 3.11 -3.05 -1.17 7.31 5.91 6.27 3.37 -1549.09 -59.02 -51.50 -51.504
P/OCF 14.20 3.65 6.01 9.64 — — — 1.50 0.74 3.06 2.95 — — 6.18 5.04 5.72 3.20 24.19 29.12 105.17 105.168
EV/EBITDA 102.03 41.78 38.97 -167.79 -11.45 -12.67 -41.92 53.56 17.19 21.96 24.19 22.53 15.76 11.84 11.57 15.24 15.74 -27089.49 132.92 84.24 84.245
EV/Revenue 2.69 1.69 1.02 0.70 0.37 0.45 0.58 0.58 0.37 0.50 0.50 0.45 0.40 0.43 0.40 0.43 0.41 0.39 0.31 0.72 0.716
EV/EBIT -176.33 -741.34 -68.54 -14.88 -4.90 -6.01 -11.94 -32.32 -85.42 -235.71 -92.67 -64.88 -206.11 48.45 45.81 124.71 162.75 -16.98 -18.68 -93.33 -93.331
EV/FCF 15.88 3.67 6.17 12.00 -9.53 -1.75 -3.86 1.42 0.66 2.97 2.85 -2.72 -1.03 6.54 5.14 5.64 2.99 -1399.17 -51.22 -49.50 -49.502
Earnings Yield -0.1% -0.3% -1.7% -6.9% -20.0% -16.2% -8.3% -3.5% -1.9% -1.0% -1.7% -2.1% 7.3% 8.3% 8.5% 7.1% -1.0% -6.9% -6.8% -2.2% -2.19%
FCF Yield 6.2% 26.2% 15.2% 8.0% -9.9% -52.6% -23.8% 65.3% 1.3% 30.9% 32.2% -32.8% -85.1% 13.7% 16.9% 16.0% 29.7% -0.1% -1.7% -1.9% -1.94%
PEG Ratio snapshot only 7.541
Price/Tangible Book snapshot only 3.673
EV/OCF snapshot only 101.079
EV/Gross Profit snapshot only 3.254
Shareholder Yield snapshot only 1.06%
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 1.11 1.08 1.09 1.11 1.07 1.07 1.09 1.07 1.07 1.09 1.11 1.10 1.10 1.12 1.12 1.11 1.13 1.08 1.09 1.10 1.096
Quick Ratio 1.10 1.07 1.09 1.10 1.07 1.06 1.08 1.07 1.06 1.09 1.10 1.10 1.10 1.12 1.11 1.11 1.12 1.08 1.09 1.09 1.092
Debt/Equity 0.19 0.17 0.17 0.22 0.23 0.22 0.21 0.19 0.18 0.22 0.21 0.20 0.21 0.20 0.19 0.19 0.19 0.22 0.20 0.20 0.197
Net Debt/Equity -0.16 -0.22 -0.26 -0.11 -0.10 -0.19 -0.26 -0.25 -0.31 -0.25 -0.25 -0.28 -0.24 -0.22 -0.27 -0.21 -0.23 -0.20 -0.23 -0.14 -0.143
Debt/Assets 0.04 0.02 0.03 0.04 0.03 0.03 0.03 0.02 0.02 0.03 0.03 0.03 0.03 0.04 0.03 0.03 0.04 0.03 0.03 0.03 0.030
Debt/EBITDA 2.28 1.24 1.70 -11.87 -1.46 -1.23 -2.99 3.38 1.53 1.77 1.92 1.93 1.87 1.29 1.26 1.46 1.63 -3185.76 17.18 4.71 4.705
Net Debt/EBITDA -1.90 -1.66 -2.65 6.10 0.64 1.09 3.70 -4.38 -2.64 -1.98 -2.24 -2.74 -2.18 -1.40 -1.73 -1.68 -1.96 2902.73 -20.24 -3.41 -3.408
Interest Coverage -277.28 -19.38 -116.76 -395.44 -676.45 -1283.43 -1015.22 -477.18 -149.05 -34.10 -24.44 -17.52 -3.51 13.61 14.18 5.90 4.42 -37.39 -23.30 -9.57 -9.567
Equity Multiplier 4.89 7.16 6.37 5.27 6.60 7.03 6.29 8.02 8.77 7.10 6.49 6.93 6.05 5.60 5.77 5.78 5.32 7.53 6.62 6.59 6.587
Cash Ratio snapshot only 0.063
Debt Service Coverage snapshot only 10.599
Cash to Debt snapshot only 1.724
FCF to Debt snapshot only -0.362
Defensive Interval snapshot only 219.2 days
Efficiency & Turnover
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Asset Turnover 0.75 0.57 0.67 0.85 0.77 0.60 0.72 0.77 0.74 0.81 0.86 0.70 0.66 0.77 0.80 0.77 0.78 0.71 0.77 0.80 0.798
Inventory Turnover 364.41 151.59 164.78 148.46 167.20 117.65 124.03 124.97 155.15 138.72 138.71 141.96 157.87 153.20 165.54 163.58 174.30 152.90 187.55 186.88 186.877
Receivables Turnover 19.94 15.80 17.13 19.27 17.57 14.85 15.49 17.18 18.82 16.75 16.29 15.07 17.14 15.50 17.81 16.15 17.68 16.54 17.79 16.22 16.216
Payables Turnover 46.43 41.14 60.14 76.52 55.15 49.06 56.42 74.29 67.53 68.28 73.32 67.09 68.18 55.35 79.93 80.46 90.57 61.91 69.86 90.23 90.229
DSO 18 23 21 19 21 25 24 21 19 22 22 24 21 24 20 23 21 22 21 23 22.5 days
DIO 1 2 2 2 2 3 3 3 2 3 3 3 2 2 2 2 2 2 2 2 2.0 days
DPO 8 9 6 5 7 7 6 5 5 5 5 5 5 7 5 5 4 6 5 4 4.0 days
Cash Conversion Cycle 11 17 17 17 16 20 20 19 16 19 20 21 18 19 18 20 19 19 17 20 20.4 days
Fixed Asset Turnover snapshot only 11.807
Operating Cycle snapshot only 24.5 days
Cash Velocity snapshot only 14.496
Capital Intensity snapshot only 1.337
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 78.3% 92.1% 75.5% 46.2% 26.4% 12.1% 9.3% 15.4% 21.2% 19.9% 12.8% 3.5% -1.8% -1.1% 2.3% 3.8% 3.2% 3.8% 5.8% 10.4% 10.40%
Net Income 95.5% 88.9% 56.2% -1.6% -24.5% -16.0% -2.1% 49.7% 87.7% 91.3% 80.8% 48.9% 5.1% 8.0% 5.5% 4.3% -1.1% -1.8% -1.6% -1.5% -1.52%
EPS 97.2% 91.1% 56.9% -2.2% -30.2% -19.7% -1.4% 61.3% 87.5% 93.3% 80.7% 49.1% 4.0% 7.8% 5.4% 4.3% -1.1% -1.8% -1.6% -1.5% -1.50%
FCF 1.9% 4.2% -36.9% 1.5% -1.3% -1.6% -2.0% 7.1% 18.7% 1.8% 2.3% -1.4% -1.7% -61.5% -54.4% 1.5% 1.4% -1.0% -1.1% -1.2% -1.21%
EBITDA 1.5% 2.1% 2.0% -6.5% -2.5% -2.0% -1.6% 4.0% 1.8% 1.8% 2.7% 89.5% 16.7% 57.3% 72.2% 48.9% 4.2% -1.0% -92.9% -67.1% -67.09%
Op. Income 81.8% 95.9% 72.0% -64.7% -5.2% -32.6% -2.6% 51.6% 88.2% 75.4% 39.2% -71.1% -2.8% -64.9% 35.7% 39.3% 25.5% -11.3% -32.7% 30.7% 30.67%
OCF Growth snapshot only -90.72%
Asset Growth snapshot only 14.25%
Equity Growth snapshot only 0.32%
Debt Growth snapshot only 6.33%
Shares Change snapshot only 5.15%
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 30.6% 35.3% 37.2% 36.4% 35.7% 35.0% 35.3% 38.8% 39.8% 37.2% 29.3% 20.4% 14.6% 9.9% 8.0% 7.5% 7.1% 7.1% 6.9% 5.9% 5.88%
Revenue 5Y 33.2% 38.7% 41.7% 43.0% 41.9% 36.6% 32.8% 29.6% 27.8% 27.2% 26.1% 24.8% 24.4% 23.9% 23.4% 23.5% 22.6% 21.5% 18.6% 14.9% 14.90%
EPS 3Y — — — — — — — — — — — — — — — — — — — — —
EPS 5Y — — — — — — — — — — — — — — — — — — — — —
Net Income 3Y — — — — — — — — — — — — — — — — — — — — —
Net Income 5Y — — — — — — — — — — — — — — — — — — — — —
EBITDA 3Y — — — — — — — — — — — 2.1% 13.4% 6.2% 18.7% — — — — -2.5% -2.45%
EBITDA 5Y — — — — — — — — — — — — — — — — — — — 72.5% 72.46%
Gross Profit 3Y 36.1% 41.1% 42.3% 37.7% 34.3% 37.4% 37.0% 44.8% 47.4% 36.4% 29.2% 16.3% 9.8% 6.7% 6.4% 8.2% 10.3% 11.1% 7.8% 5.5% 5.53%
Gross Profit 5Y 25.8% 32.8% 34.8% 34.5% 34.0% 30.1% 30.3% 29.7% 28.6% 27.4% 26.2% 24.6% 24.5% 28.6% 26.7% 27.8% 27.0% 21.1% 18.3% 12.7% 12.73%
Op. Income 3Y — — — — — — — — — — — — — — — — — — — — —
Op. Income 5Y — — — — — — — — — — — — — — — — — — — — —
FCF 3Y — — — — — — — 30.4% 1.5% 37.3% -6.2% — — -42.5% -15.8% 17.6% — — — — —
FCF 5Y 15.0% 1.1% 98.5% — — — — — — — — — — — — -14.9% 29.5% — — — —
OCF 3Y — — — — — — — 29.6% 1.3% 33.3% -6.2% — — -40.0% -13.9% 11.4% — — — -72.9% -72.87%
OCF 5Y 17.0% 1.0% 81.4% 90.5% — — — — — — — — — — — -14.1% 25.7% -24.8% -43.2% — —
Assets 3Y 11.7% 25.1% 21.7% 10.4% 13.9% 16.7% 21.8% 22.4% 29.0% 9.0% 4.5% 12.3% 11.0% -7.1% -0.6% 9.7% 2.4% 11.3% 9.8% 0.8% 0.82%
Assets 5Y 3.8% 14.0% 13.7% 6.2% 9.4% 7.7% 6.7% 12.6% 16.8% 9.4% 9.8% 12.2% 12.9% 11.7% 16.9% 10.5% 10.3% 10.3% 6.7% 10.0% 9.99%
Equity 3Y 18.8% 24.7% 18.2% 17.2% 16.9% 22.6% 27.3% 35.8% -1.4% -3.4% -2.1% -2.2% 3.3% 0.9% 2.7% 6.3% 10.1% 8.7% 7.9% 7.7% 7.66%
Book Value 3Y -6.5% -0.6% 0.9% 1.1% 0.8% 5.6% 0.7% 7.7% -9.6% -12.1% -10.8% -4.1% 0.2% -2.0% -6.2% -2.7% 0.4% -0.6% 6.3% 5.8% 5.81%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue Stability 0.82 0.80 0.85 0.90 0.92 0.90 0.90 0.92 0.92 0.92 0.93 0.96 0.95 0.93 0.91 0.87 0.83 0.84 0.88 0.89 0.895
Earnings Stability 0.02 0.01 0.01 0.00 0.02 0.00 0.16 0.46 0.23 0.19 0.43 0.58 0.51 0.50 0.67 0.72 0.37 0.10 0.18 0.23 0.227
Margin Stability 0.78 0.81 0.82 0.82 0.85 0.87 0.93 0.92 0.91 0.92 0.95 0.96 0.93 0.89 0.93 0.94 0.93 0.95 0.96 0.96 0.956
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 0.00 0.00 1.00 1.00 0.50 0.50 1.00 1.00 1.000
Earn. Growth Consistency 0.50 1.00 1.00 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 0.00 0.00 0.00 0.00 0.000
FCF Positive Streak 1 1 1 0 0 0 0 1 0 0 0 0 0 1 1 0 0 0 0 0 0
Earnings Persistence 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.80 0.50 0.50 0.50 0.80 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.200
Earnings Smoothness — — — — — — — — — — — — — — — — — — — — —
ROE Trend 0.39 0.41 0.36 0.23 -0.22 -0.30 -0.15 0.03 0.15 0.17 0.12 0.11 0.35 0.39 0.33 0.24 -0.07 -0.21 -0.18 -0.13 -0.129
Gross Margin Trend 0.04 0.04 0.03 0.01 -0.01 -0.04 -0.02 -0.01 -0.00 -0.00 -0.01 -0.01 0.00 0.02 0.02 0.01 0.01 -0.00 -0.01 -0.00 -0.005
FCF Margin Trend 0.20 0.45 0.02 -0.10 -0.17 -0.57 -0.46 0.48 0.50 0.07 0.17 -0.40 -0.65 0.11 0.07 -0.05 0.05 -0.12 -0.13 0.03 0.029
Sustainable Growth Rate — — — — — — — — — — — — 16.0% 19.3% 19.4% 16.7% — — — — —
Internal Growth Rate — — — — — — — — — — — — 2.3% 3.2% 3.3% 2.7% — — — — —
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 -50.10 -92.61 -9.87 -1.51 0.32 3.11 2.61 -19.31 -72.57 -31.40 -20.55 14.25 -11.36 1.94 2.32 2.46 -30.77 -0.60 -0.50 -0.43 -0.435
FCF/OCF 0.88 0.96 0.91 0.78 1.53 1.05 1.10 0.98 0.98 0.94 0.95 1.07 1.03 0.85 0.85 0.91 0.95 -0.02 -0.49 -2.04 -2.042
FCF/Net Income snapshot only 0.888
OCF/EBITDA snapshot only 0.833
CapEx/Revenue 2.4% 2.1% 1.6% 1.7% 1.3% 1.2% 1.3% 1.0% 0.9% 1.0% 1.0% 1.1% 1.2% 1.2% 1.3% 0.7% 0.7% 1.8% 1.8% 2.2% 2.16%
CapEx/Depreciation snapshot only 1.333
Accruals Ratio -0.15 -0.28 -0.13 -0.11 -0.04 0.10 0.06 -0.34 -0.43 -0.15 -0.17 0.10 0.27 -0.03 -0.04 -0.04 -0.12 -0.03 -0.03 -0.02 -0.019
Sloan Accruals snapshot only -0.015
Cash Flow Adequacy snapshot only 0.329
Dividends & Buybacks
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Dividend Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Dividend/Share $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Payout Ratio — — — — — — — — — — — — 0.0% 0.0% 0.0% 0.0% — — — — —
FCF Payout Ratio 0.0% 0.0% 0.0% 0.0% — — — 0.0% 0.0% 0.0% 0.0% — — 0.0% 0.0% 0.0% 0.0% — — — —
Total Payout Ratio — — — — — — — — — — — — 28.9% 42.6% 51.7% 68.3% — — — — —
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 0.2% 0.2% 0.4% 1.4% 3.5% 4.0% 2.8% 1.7% 1.5% 1.0% 1.1% 1.4% 2.1% 3.6% 4.4% 4.9% 4.7% 2.9% 3.0% 1.1% 1.06%
Net Buyback Yield 0.2% -0.7% -1.0% -0.6% -0.2% 4.0% 2.8% 1.7% 1.5% 1.0% 1.1% 1.4% 2.0% 3.3% 4.1% 4.5% 4.4% 2.7% 2.7% 0.9% 0.93%
Total Shareholder Return 0.2% -0.7% -1.0% -0.6% -0.2% 4.0% 2.8% 1.7% 1.5% 1.0% 1.1% 1.4% 2.0% 3.3% 4.1% 4.5% 4.4% 2.7% 2.7% 0.9% 0.93%
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) -8.22 2.12 1.22 1.05 1.03 1.05 1.08 1.21 1.81 2.60 1.61 1.47 -13.28 4.87 4.84 11.86 -2.40 1.26 1.41 1.92 1.922
Interest Burden (EBT/EBIT) -0.03 1.08 1.01 1.00 1.00 1.00 1.00 1.00 1.01 1.03 1.04 1.06 1.29 0.93 0.93 0.83 0.77 1.03 1.04 1.10 1.105
EBIT Margin -0.02 -0.00 -0.01 -0.05 -0.08 -0.07 -0.05 -0.02 -0.00 -0.00 -0.01 -0.01 -0.00 0.01 0.01 0.00 0.00 -0.02 -0.02 -0.01 -0.008
Asset Turnover 0.75 0.57 0.67 0.85 0.77 0.60 0.72 0.77 0.74 0.81 0.86 0.70 0.66 0.77 0.80 0.77 0.78 0.71 0.77 0.80 0.798
Equity Multiplier 4.43 6.12 5.88 4.91 5.66 7.10 6.34 6.62 7.72 7.06 6.39 7.46 7.25 6.26 6.09 6.30 5.69 6.53 6.19 6.19 6.186
Per Share
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
EPS (Diluted TTM) $-0.01 $-0.01 $-0.06 $-0.17 $-0.26 $-0.27 $-0.15 $-0.06 $-0.03 $-0.02 $-0.03 $-0.03 $0.10 $0.12 $0.12 $0.11 $-0.01 $-0.09 $-0.08 $-0.05 $-0.05
Book Value/Share $0.69 $0.75 $0.86 $0.77 $0.69 $0.68 $0.54 $0.57 $0.74 $0.57 $0.58 $0.59 $0.69 $0.71 $0.71 $0.71 $0.69 $0.67 $0.65 $0.68 $0.68
Tangible Book/Share $0.50 $0.58 $0.68 $0.61 $0.55 $0.55 $0.45 $0.49 $0.64 $0.50 $0.52 $0.54 $0.65 $0.67 $0.69 $0.69 $0.69 $0.66 $0.65 $0.68 $0.68
Revenue/Share $2.16 $2.48 $3.28 $3.33 $3.35 $3.38 $2.74 $2.95 $4.11 $3.14 $3.11 $3.04 $2.97 $3.03 $3.15 $3.17 $3.11 $3.17 $3.20 $3.33 $3.33
FCF/Share $0.37 $1.14 $0.54 $0.20 $-0.13 $-0.87 $-0.41 $1.21 $2.32 $0.53 $0.55 $-0.50 $-1.16 $0.20 $0.25 $0.24 $0.42 $-0.00 $-0.02 $-0.05 $-0.05
OCF/Share $0.42 $1.19 $0.60 $0.25 $-0.08 $-0.83 $-0.38 $1.24 $2.35 $0.56 $0.58 $-0.47 $-1.12 $0.24 $0.29 $0.27 $0.44 $0.06 $0.04 $0.02 $0.02
Cash/Share $0.24 $0.29 $0.37 $0.25 $0.23 $0.28 $0.26 $0.25 $0.37 $0.27 $0.27 $0.28 $0.31 $0.30 $0.33 $0.28 $0.29 $0.28 $0.28 $0.23 $0.23
EBITDA/Share $0.06 $0.10 $0.09 $-0.01 $-0.11 $-0.12 $-0.04 $0.03 $0.09 $0.07 $0.06 $0.06 $0.08 $0.11 $0.11 $0.09 $0.08 $-0.00 $0.01 $0.03 $0.03
Debt/Share $0.13 $0.12 $0.15 $0.17 $0.16 $0.15 $0.11 $0.11 $0.14 $0.13 $0.12 $0.12 $0.14 $0.14 $0.14 $0.13 $0.13 $0.14 $0.13 $0.13 $0.13
Net Debt/Share $-0.11 $-0.17 $-0.23 $-0.09 $-0.07 $-0.13 $-0.14 $-0.14 $-0.23 $-0.14 $-0.14 $-0.17 $-0.17 $-0.15 $-0.19 $-0.15 $-0.16 $-0.13 $-0.15 $-0.10 $-0.10
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 — — — — — — — — — — — — — — — — — — — — 0.424
Altman Z-Prime snapshot only -0.682
Piotroski F-Score 6 6 6 5 4 2 2 5 7 5 7 3 5 6 6 7 6 4 4 5 5
Beneish M-Score -1.38 -2.87 -2.90 -2.74 -2.77 -2.05 -2.10 -3.64 -3.95 -2.97 -3.34 -2.02 -1.00 -1.73 -2.50 -2.49 -2.92 -2.53 -2.41 -2.31 -2.306
Ohlson O-Score snapshot only -3.294
ROIC (Greenblatt) snapshot only -4.05%
Net-Net WC snapshot only $0.22
EVA snapshot only $-2496164.24
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 B-
Credit Score 37.31 39.60 39.82 43.07 24.48 24.74 28.40 39.41 42.12 42.52 41.22 28.06 27.97 64.09 64.62 59.54 55.42 32.20 23.19 24.69 24.693
Credit Grade snapshot only 16
Credit Trend snapshot only -34.845
Implied Spread (bps) snapshot only 900.000
Industry Credit Rank snapshot only 15
Sector Credit Rank snapshot only 10

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