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Also trades as: VOYA (NYSE) · $vol 102M

VOYA-PB NYSE

Voya Financial, Inc.
1W: +0.6% 1M: -1.0% 3M: -2.7% YTD: -6.0% 1Y: -5.3% 3Y: +24.9% 5Y: -2.7%
$23.00
+0.05 (+0.22%)
 
Weekly Expected Move ±1.4%
$22 $23 $23 $23 $23
NYSE · Financial Services · Insurance - Life · Tech Score Sell · Power 38 · $7.0B mcap · 12M float · 0.212% daily turnover
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.
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

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: 16Hold: 4Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$—
Analysts0
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2023-02-08 J.P. Morgan — $77 $80 +3 +224.7% $24.64
2023-01-06 J.P. Morgan — Initiated $77 — +239.1% $22.71

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
5
ROE
1
ROA
5
D/E
1
P/E
4
P/B
1
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. VOYA-PB receives an overall rating of B. Strongest factors: DCF (5/5), ROA (5/5), P/E (4/5). Areas of concern: ROE (1/5), D/E (1/5), P/B (1/5).
Rating Change History
DateFromTo
2026-08-07 A B
2026-08-04 A- A
2026-07-30 C A-
2026-05-05 A C
2026-02-06 A- A
2026-02-02 A 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.

★ ★ ★ ★ ★ 43 Grade B
Profitability
36
Balance Sheet
42
Earnings Quality
100
Growth
29
Value
98
Momentum
63
Safety
15
Cash Flow
65
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. VOYA-PB scores highest in Earnings Quality (100/100) and lowest in Safety (15/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-I Score
1.19
Distress Zone
Piotroski F-Score
6/9
✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓ ✗
Beneish M-Score
-3.40
Unlikely Manipulator
Ohlson O-Score
-6.11
Bankruptcy prob: 0.2%
Low Risk
Credit Rating
BBB
Score: 56.4/100
Trend: Deteriorating
Earnings Quality
100/100
OCF/NI: 1.96x
Accruals: -0.3%
The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. VOYA-PB scores 1.19, placing it in the Distress Zone (safe > 3.0, distress < 1.5). 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. VOYA-PB scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. VOYA-PB's score of -3.40 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. VOYA-PB's implied 0.2% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. VOYA-PB receives an estimated rating of BBB (score: 56.4/100), 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). VOYA-PB'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
16.22x
PEG
0.95x
P/S
2.33x
P/B
1.98x
P/FCF
1.90x
P/OCF
1.90x
EV/EBITDA
5.40x
EV/Revenue
0.87x
EV/EBIT
5.57x
EV/FCF
4.29x
Earnings Yield
26.89%
FCF Yield
52.72%
Shareholder Yield
31.80%
Graham Number
$82.53
Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 16.2x earnings, VOYA-PB trades at a reasonable valuation. An earnings yield of 26.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $82.53 per share, suggesting a potential 259% 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
0.822
NI / EBT
×
Interest Burden
0.805
EBT / EBIT
×
EBIT Margin
0.156
EBIT / Rev
×
Asset Turnover
0.033
Rev / Assets
×
Equity Multiplier
38.156
Assets / Equity
=
ROE
13.1%
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. VOYA-PB's ROE of 13.1% is driven by financial leverage (equity multiplier: 38.16x). 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
3.82%
Fair P/E
16.14x
Intrinsic Value
$101.18
Price/Value
0.23x
Margin of Safety
76.96%
Premium
-76.96%
Assessment
Undervalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with VOYA-PB's realized 3.8% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. At an intrinsic value of $101.18, VOYA-PB appears undervalued with a 77% margin of safety. The adjusted fair P/E of 16.1x compares to the current market P/E of 16.2x.

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
$23.00
Median 1Y
$22.83
5th Pctile
$15.62
95th Pctile
$33.43
Ann. Volatility
23.8%
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
Heather Lavallee,
Chief Executive Officer
 $950,000 $7,124,941 $9,720,234
Rodney Martin, (retired
e Chairman (retired February 29, 2024)
 $170,833 $7,687,481 $8,345,504
Robert Grubka, CEO,
er CEO, Workplace Solutions
 $650,000 $2,047,458 $7,346,628
Donald Templin, EVP,
er EVP, Chief Financial Officer
 $800,000 $2,999,964 $5,071,326
Matthew Toms, CEO,
Investment Management
 $622,159 $1,217,482 $4,165,697
Santhosh Keshavan, EVP
and Chief Information Officer Former Executive Officer
 $600,000 $1,574,962 $3,158,443

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
11,000
+10.0% YoY
Revenue / Employee
$681,455
Rev: $7,496,000,000
Profit / Employee
$59,455
NI: $654,000,000
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 21.9% 23.2% 15.5% 10.9% 11.6% 8.8% 10.3% 15.0% 19.3% 16.6% 19.6% 21.7% 17.6% 16.3% 13.4% 12.3% 12.6% 14.6% 15.0% 13.1% 13.06%
ROA 1.2% 1.2% 0.7% 0.4% 0.5% 0.3% 0.3% 0.4% 0.5% 0.4% 0.5% 0.5% 0.4% 0.4% 0.4% 0.3% 0.4% 0.4% 0.4% 0.3% 0.34%
ROIC -11.7% -12.2% -8.4% -5.0% -3.7% -2.0% -2.2% -2.7% -3.9% -3.8% -4.9% -4.8% -4.0% -4.1% -3.1% -2.7% -3.5% 12.6% 12.6% 8.4% 8.41%
ROCE 1.9% 1.8% 1.3% 0.8% 0.6% 0.4% 0.4% 0.5% 0.6% 0.6% 0.7% 0.7% 0.7% 0.7% 0.6% 0.5% 0.6% 0.6% 0.6% 0.5% 0.50%
Gross Margin 51.1% 72.2% 49.9% 49.7% 52.3% 42.1% 53.1% 54.6% 48.8% 44.3% 52.9% 50.6% 45.6% 43.4% 50.6% 52.8% 55.6% — 1.0% 1.0% 1.00%
Operating Margin 20.5% 21.4% 8.1% 10.0% 5.3% 5.3% 7.7% 14.1% 9.4% 5.6% 14.0% 13.6% 5.9% 6.0% 8.8% 9.5% 14.4% — 12.3% 1.8% 1.79%
Net Margin 7.8% 29.1% 4.5% 4.5% 13.4% 12.5% 4.5% 8.4% 14.4% 6.7% 12.2% 10.1% 5.8% 4.8% 7.9% 8.4% 9.0% — 9.7% 5.0% 4.96%
EBITDA Margin 22.9% 26.3% 11.2% 13.0% 8.5% 8.4% 10.3% 19.1% 13.6% 10.0% 16.8% 18.4% 9.5% 9.7% 12.2% 12.7% 17.2% — 13.8% 5.1% 5.06%
FCF Margin 5.7% -0.2% 17.4% 16.0% 22.0% 22.8% 18.3% 22.8% 21.1% 22.3% 22.6% 17.0% 20.7% 16.7% 11.7% 17.2% 10.0% 21.2% 23.9% 20.2% 20.22%
OCF Margin 5.7% -0.2% 17.4% 16.0% 22.0% 22.8% 18.3% 22.8% 21.1% 22.3% 22.6% 17.0% 20.7% 16.7% 11.7% 17.2% 10.0% 21.2% 23.9% 20.2% 20.22%
ROE 3Y Avg snapshot only 15.09%
ROE 5Y Avg snapshot only 15.48%
ROA 3Y Avg snapshot only 0.39%
ROIC 3Y Avg snapshot only 8.57%
ROIC Economic snapshot only 7.45%
Cash ROA snapshot only 0.65%
Cash ROIC snapshot only 15.80%
CROIC snapshot only 15.80%
NOPAT Margin snapshot only 10.75%
Pretax Margin snapshot only 12.55%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 14.87%
SBC / Revenue snapshot only 0.00%
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 1.46 1.35 2.26 3.01 2.98 3.92 4.21 3.51 3.34 3.62 2.87 2.73 3.42 3.26 3.90 4.26 3.75 3.67 3.27 3.72 16.221
P/S Ratio 0.61 0.73 0.33 0.33 0.37 0.34 0.35 0.33 0.33 0.31 0.30 0.30 0.30 0.27 0.28 0.29 0.28 0.39 0.37 0.38 2.328
P/B Ratio 0.35 0.35 0.40 0.47 0.53 0.60 0.56 0.58 0.74 0.54 0.55 0.57 0.50 0.54 0.51 0.49 0.46 0.48 0.48 0.48 1.984
P/FCF 10.61 -358.95 1.92 2.04 1.69 1.48 1.93 1.43 1.56 1.38 1.33 1.74 1.45 1.62 2.38 1.67 2.83 1.86 1.56 1.90 1.897
P/OCF 10.61 — 1.92 2.04 1.69 1.48 1.93 1.43 1.56 1.38 1.33 1.74 1.45 1.62 2.38 1.67 2.83 1.86 1.56 1.90 1.897
EV/EBITDA -9.31 -9.67 -12.73 -20.81 -27.56 -37.54 -35.08 -27.34 -21.76 -21.53 -17.83 -17.50 -19.11 -18.14 -21.91 -25.46 -21.56 3.02 3.41 5.40 5.400
EV/Revenue -6.20 -7.34 -3.56 -3.87 -4.05 -3.87 -3.54 -3.27 -2.84 -2.86 -2.67 -2.60 -2.64 -2.47 -2.73 -2.80 -2.81 0.54 0.63 0.87 0.868
EV/EBIT -9.31 -9.67 -12.73 -20.81 -27.56 -37.54 -35.08 -27.34 -21.76 -21.53 -17.83 -17.50 -19.11 -18.14 -21.91 -25.46 -21.56 3.02 3.41 5.57 5.570
EV/FCF -108.51 3627.68 -20.50 -24.12 -18.38 -16.97 -19.34 -14.34 -13.48 -12.83 -11.77 -15.29 -12.72 -14.81 -23.29 -16.29 -28.03 2.54 2.63 4.29 4.295
Earnings Yield 68.3% 74.0% 44.2% 33.3% 33.6% 25.5% 23.7% 28.5% 29.9% 27.6% 34.8% 36.7% 29.3% 30.6% 25.7% 23.5% 26.7% 27.3% 30.5% 26.9% 26.89%
FCF Yield 9.4% -0.3% 52.2% 49.1% 59.1% 67.6% 51.8% 69.8% 64.2% 72.4% 75.2% 57.4% 69.0% 61.8% 41.9% 60.0% 35.3% 53.7% 64.3% 52.7% 52.72%
PEG Ratio snapshot only 0.951
Price/Tangible Book snapshot only 0.747
EV/OCF snapshot only 4.295
EV/Gross Profit snapshot only 1.046
Acquirers Multiple snapshot only 6.918
Shareholder Yield snapshot only 31.80%
Graham Number snapshot only $82.53
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 49825.00 49004.00 45570.00 43478.00 300.55 289.60 281.91 276.11 18821.00 38688.00 96.03 94.12 96.24 92.68 38281.00 86.38 66.63 20.38 41.20 6.93 6.928
Quick Ratio 49825.00 49004.00 45570.00 43478.00 300.55 289.60 281.91 276.11 18821.00 38688.00 96.03 94.12 96.24 92.68 38281.00 86.38 66.63 20.38 41.20 6.93 6.928
Debt/Equity 0.44 0.42 0.55 0.75 0.80 1.04 0.88 0.97 1.10 0.82 0.84 0.80 0.77 0.90 0.71 0.69 0.65 0.42 0.54 0.84 0.842
Net Debt/Equity -3.88 -3.86 -4.66 -5.98 -6.24 -7.45 -6.17 -6.43 -7.18 -5.55 -5.40 -5.54 -4.89 -5.52 -5.48 -5.28 -5.04 0.18 0.33 0.61 0.610
Debt/Assets 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.01 0.02 0.022
Debt/EBITDA 1.17 1.16 1.64 2.85 3.84 5.68 5.53 4.51 3.70 3.51 3.07 2.81 3.34 3.28 3.15 3.68 3.05 1.94 2.27 4.16 4.159
Net Debt/EBITDA -10.22 -10.63 -13.92 -22.57 -30.10 -40.82 -38.58 -30.07 -24.27 -23.85 -19.85 -19.49 -21.29 -20.12 -24.15 -28.06 -23.74 0.81 1.39 3.01 3.015
Interest Coverage 15.67 13.40 9.62 5.67 4.16 3.34 3.42 3.39 3.48 3.28 3.68 3.69 3.57 3.67 3.22 3.64 4.58 5.11 6.34 5.13 5.134
Equity Multiplier 20.08 20.75 26.11 32.67 35.19 43.78 38.24 41.82 47.73 37.46 38.92 39.89 35.37 40.92 37.41 37.25 35.80 36.11 37.23 39.05 39.049
Cash Ratio snapshot only 7.138
Debt Service Coverage snapshot only 5.296
Cash to Debt snapshot only 0.275
FCF to Debt snapshot only 0.302
Defensive Interval snapshot only 92.5 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 0.03 0.02 0.05 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.03 0.033
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 0.55 0.46 0.55 0.48 0.43 0.46 0.49 0.52 0.56 0.60 0.62 0.65 0.68 0.69 0.69 0.70 0.72 0.55 0.55 1.08 1.079
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 658 793 667 753 858 802 749 696 652 606 585 560 540 527 526 520 504 660 664 338 338.4 days
DIO — — 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO — — 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 —
Cash Conversion Cycle — — 667 753 858 802 749 696 652 606 585 560 540 527 526 520 504 660 664 338 —
Cash Velocity snapshot only 5.434
Capital Intensity snapshot only 31.029
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 -34.0% -48.3% 85.2% 33.0% 20.9% 49.9% -15.6% 2.6% 22.6% 23.9% 20.8% 17.0% 10.9% 9.6% 5.3% 2.5% 2.9% -24.5% -24.9% -25.5% -25.52%
Net Income 2.6% 11.3% 11.6% -53.6% -63.5% -76.0% -52.0% -12.0% -3.6% 22.5% 51.0% 36.6% -0.7% 6.7% -27.9% -36.5% -11.7% -1.9% 18.9% 14.1% 14.07%
EPS 2.6% 12.4% 24.9% -45.4% -58.0% -73.1% -48.8% -11.2% -5.4% 22.5% 58.4% 46.6% 7.2% 15.3% -23.0% -33.8% -8.6% 0.1% 20.0% 15.2% 15.25%
FCF -78.1% -1.0% 2.7% 1.3% 3.7% 170.0% -11.2% 46.1% 17.3% 21.2% 49.5% -12.9% 9.2% -17.9% -45.4% 3.6% -50.3% -4.2% 53.0% -12.4% -12.42%
EBITDA 245.7% 4.5% 34.1% -54.4% -73.3% -79.6% -69.6% -33.9% 9.0% 59.7% 79.0% 45.1% 17.3% 12.5% -12.1% -24.1% -2.9% -1.3% 11.0% 8.8% 8.84%
Op. Income 15.8% 6.8% 37.6% -59.3% -78.3% -84.6% -76.0% -43.4% 2.2% 58.4% 84.3% 50.0% 18.5% 17.8% -16.9% -28.7% 0.9% 4.8% 30.5% 24.0% 23.95%
OCF Growth snapshot only -12.42%
Asset Growth snapshot only 6.10%
Equity Growth snapshot only 1.21%
Debt Growth snapshot only 22.95%
Shares Change snapshot only -1.02%
Dividend Growth snapshot only 1.49%
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 — — — 48.4% 14.5% 1.6% -5.2% -2.1% -0.7% -1.3% 23.6% 16.9% 18.0% 26.7% 2.4% 7.1% 11.9% 0.8% -1.5% -3.7% -3.72%
Revenue 5Y — — — — — — — — — — — 31.4% 15.4% 7.3% 1.7% 2.4% 2.2% -4.5% 8.3% 4.0% 4.02%
EPS 3Y — — — 61.1% 41.4% — — — — — 0.5% -10.8% -24.8% -27.6% -14.5% -4.8% -2.5% 12.3% 13.5% 3.8% 3.82%
EPS 5Y — — — — — — — — — — — 40.4% 23.4% — — — — — -1.3% -11.5% -11.52%
Net Income 3Y — — — 45.7% 27.7% — — — — — -6.8% -17.7% -29.6% -32.1% -19.4% -8.6% -5.5% 8.6% 9.0% -0.4% -0.38%
Net Income 5Y — — — — — — — — — — — 30.0% 14.8% — — — — — -7.0% -16.6% -16.58%
EBITDA 3Y — — — 61.3% 19.9% 8.0% 3.4% 38.9% — 21.5% -10.0% -24.0% -30.1% -28.5% -21.8% -10.0% 7.4% 21.1% 20.4% 6.2% 6.22%
EBITDA 5Y — — — — — — — — — — — 32.1% 17.1% 17.8% 11.7% 24.2% — 14.8% -6.6% -18.4% -18.40%
Gross Profit 3Y — — — 60.5% 26.1% 5.8% -0.0% 6.0% 11.7% 7.9% -0.8% -8.7% -11.8% -10.1% -5.3% 2.4% 8.4% 3.4% 9.4% 13.4% 13.43%
Gross Profit 5Y — — — — — — — — — — — 34.7% 18.9% 9.9% 4.1% 6.2% 10.0% 1.5% 0.7% -0.4% -0.41%
Op. Income 3Y — — — 59.4% 18.1% 8.6% 5.7% 81.7% — 23.7% -15.2% -29.8% -36.0% -34.0% -28.3% -15.4% 6.9% 25.1% 26.0% 9.9% 9.87%
Op. Income 5Y — — — — — — — — — — — 28.1% 14.8% 19.1% 12.6% 45.0% — 18.5% -7.9% -21.1% -21.11%
FCF 3Y — — — 35.2% 20.9% 4.7% 1.3% 8.1% 6.2% 10.7% 69.9% 42.7% 81.4% — -10.2% 9.7% -14.0% -1.6% 7.7% -7.5% -7.54%
FCF 5Y — — — — — — — — — — — 25.7% 17.8% 2.7% -3.3% 2.7% -8.3% 1.3% 32.6% 21.4% 21.40%
OCF 3Y — — — 35.2% 20.9% 4.7% 1.3% 8.1% 6.2% 10.7% 69.9% 42.7% 81.4% — -10.2% 9.7% -14.0% -1.6% 7.7% -7.5% -7.54%
OCF 5Y — — — — — — — — — — — 25.7% 17.8% 2.7% -3.3% 2.7% -8.3% 1.3% 32.6% 21.4% 21.40%
Assets 3Y — — — -3.7% -4.8% -4.6% -1.0% -2.5% -4.5% -4.5% -0.3% -1.4% -0.3% -1.5% 0.4% 5.3% 7.2% 6.9% 4.7% 5.8% 5.77%
Assets 5Y — — — — — — — — — — — -0.5% 0.0% -0.6% 1.0% 0.7% 0.7% -0.2% 1.3% 1.7% 1.70%
Equity 3Y — — — -23.4% -27.1% -29.0% -19.0% -27.1% -31.3% -25.4% -19.4% -21.5% -17.5% -21.4% -10.9% 0.8% 6.6% 13.9% 5.6% 8.2% 8.21%
Book Value 3Y — — — -15.3% -19.3% -23.2% -12.6% -23.2% -27.7% -20.0% -13.1% -14.9% -11.8% -16.2% -5.5% 5.0% 9.9% 17.7% 10.0% 12.8% 12.78%
Dividend 3Y — — — 11.9% 12.9% 9.0% 8.1% 6.5% 11.0% 19.1% 25.7% 29.6% 22.2% 16.4% 11.0% 6.0% 4.1% 4.4% 5.1% 4.4% 4.38%
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 0.07 0.21 0.00 0.41 0.09 0.06 0.00 0.00 0.00 0.01 0.56 0.96 0.96 0.51 0.08 0.39 0.29 0.05 0.45 0.27 0.275
Earnings Stability 0.26 0.82 0.80 0.25 0.18 0.33 0.33 0.18 0.13 0.20 0.28 0.21 0.11 0.14 0.16 0.11 0.08 0.00 0.44 0.50 0.497
Margin Stability 0.30 0.24 0.58 0.52 0.41 0.30 0.61 0.55 0.45 0.34 0.65 0.60 0.51 0.39 0.87 0.89 0.84 0.89 0.66 0.63 0.626
Rev. Growth Consistency 0.00 0.00 0.50 0.50 0.50 0.50 0.00 1.00 1.00 1.00 0.50 1.00 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.000
Earn. Growth Consistency 0.50 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.00 1.00 0.00 0.00 0.00 0.00 0.50 0.50 0.500
FCF Positive Streak 1 0 1 1 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.20 0.20 0.50 0.50 0.50 0.50 0.50 0.95 0.99 0.91 0.50 0.85 1.00 0.97 0.89 0.85 0.95 0.99 0.92 0.94 0.944
Earnings Smoothness — — 0.89 0.27 0.07 0.00 0.30 0.87 0.96 0.80 0.59 0.69 0.99 0.93 0.68 0.55 0.88 0.98 0.83 0.87 0.869
ROE Trend 0.28 0.29 0.15 0.11 0.12 0.03 -0.02 -0.00 0.02 -0.06 0.04 0.05 -0.05 0.02 -0.03 -0.07 -0.06 -0.03 -0.01 -0.03 -0.032
Gross Margin Trend 0.78 0.95 -0.09 -0.17 -0.20 -0.38 -0.29 -0.28 -0.36 -0.42 -0.05 -0.04 -0.04 -0.01 -0.02 -0.02 0.01 0.03 0.19 0.34 0.343
FCF Margin Trend -0.12 -0.19 0.06 0.03 0.11 0.15 0.05 0.10 0.07 0.11 0.05 -0.02 -0.01 -0.06 -0.09 -0.03 -0.11 0.02 0.07 0.03 0.031
Sustainable Growth Rate 20.7% 21.9% 13.8% 9.0% 9.7% 6.7% 8.0% 12.0% 15.4% 12.3% 15.0% 16.4% 12.3% 11.1% 8.4% 7.3% 8.1% 9.7% 10.2% 8.4% 8.35%
Internal Growth Rate 1.1% 1.2% 0.6% 0.4% 0.4% 0.2% 0.3% 0.3% 0.4% 0.3% 0.4% 0.4% 0.3% 0.3% 0.2% 0.2% 0.2% 0.3% 0.3% 0.2% 0.22%
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 0.14 -0.00 1.18 1.48 1.76 2.65 2.18 2.45 2.14 2.62 2.16 1.56 2.36 2.02 1.63 2.55 1.33 1.97 2.10 1.96 1.961
FCF/OCF 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
FCF/Net Income snapshot only 1.961
OCF/EBITDA snapshot only 1.257
CapEx/Revenue 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%
CapEx/Depreciation snapshot only 0.000
Accruals Ratio 0.01 0.01 -0.00 -0.00 -0.00 -0.01 -0.00 -0.01 -0.01 -0.01 -0.01 -0.00 -0.01 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.003
Sloan Accruals snapshot only -0.210
Cash Flow Adequacy snapshot only 5.443
Earnings Quality Score snapshot only 1.000
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 3.9% 4.0% 4.7% 5.6% 5.6% 5.9% 5.3% 5.6% 6.1% 7.2% 8.2% 9.0% 8.9% 9.7% 9.6% 9.6% 9.5% 9.1% 9.9% 9.7% 1.94%
Dividend/Share $0.92 $0.97 $1.00 $1.06 $1.13 $1.11 $1.08 $1.10 $1.30 $1.52 $1.79 $2.02 $2.10 $2.14 $2.19 $2.22 $2.24 $2.26 $2.27 $2.26 $1.88
Payout Ratio 5.7% 5.5% 10.7% 16.7% 16.6% 23.3% 22.5% 19.7% 20.2% 26.1% 23.6% 24.6% 30.5% 31.8% 37.4% 40.9% 35.5% 33.5% 32.4% 36.0% 36.02%
FCF Payout Ratio 41.4% — 9.1% 11.3% 9.4% 8.8% 10.3% 8.0% 9.4% 10.0% 10.9% 15.8% 12.9% 15.8% 22.9% 16.0% 26.8% 17.0% 15.4% 18.4% 18.37%
Total Payout Ratio 53.8% 57.8% 1.3% 2.3% 1.6% 1.7% 70.1% 46.0% 50.6% 85.1% 91.8% 90.7% 1.3% 1.3% 1.2% 95.7% 71.5% 64.1% 83.8% 1.2% 1.18%
Div. Increase Streak 0 1 1 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Chowder Number 0.02 0.08 0.09 0.09 0.12 0.09 0.06 0.09 0.24 0.44 0.67 0.80 0.59 0.40 0.24 0.15 0.12 0.12 0.13 0.10 0.101
Buyback Yield 32.9% 38.8% 54.9% 70.0% 49.2% 37.5% 11.3% 7.5% 9.1% 16.3% 23.7% 24.2% 28.6% 29.4% 21.0% 12.9% 9.6% 8.3% 15.7% 22.1% 22.11%
Net Buyback Yield 32.8% 38.6% 54.7% 69.8% 48.9% 37.1% 11.1% 7.3% 9.1% 16.3% 23.6% 24.1% 28.4% 29.1% 20.7% 12.6% 9.4% 8.1% 15.5% 21.9% 21.89%
Total Shareholder Return 36.7% 42.7% 59.5% 75.4% 54.4% 43.1% 16.4% 12.9% 15.2% 23.5% 31.8% 33.1% 37.3% 38.9% 30.3% 22.2% 18.8% 17.3% 25.4% 31.6% 31.58%
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) 0.67 0.77 0.59 0.71 1.12 1.19 1.17 1.10 1.06 0.92 0.96 1.00 0.89 0.83 0.84 0.89 0.78 0.78 0.76 0.82 0.822
Interest Burden (EBT/EBIT) 0.93 0.93 0.90 0.82 0.76 0.70 0.71 0.71 0.71 0.69 0.73 0.73 0.72 0.73 0.69 0.69 0.75 0.77 0.81 0.81 0.805
EBIT Margin 0.67 0.76 0.28 0.19 0.15 0.10 0.10 0.12 0.13 0.13 0.15 0.15 0.14 0.14 0.12 0.11 0.13 0.18 0.18 0.16 0.156
Asset Turnover 0.03 0.02 0.05 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.03 0.033
Equity Multiplier 18.83 19.16 22.98 24.52 25.03 27.40 30.83 36.79 40.63 40.27 38.59 40.81 40.30 39.15 38.14 38.48 35.59 38.26 37.32 38.16 38.156
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) $16.18 $17.72 $9.35 $6.31 $6.80 $4.77 $4.79 $5.60 $6.43 $5.84 $7.59 $8.21 $6.89 $6.74 $5.84 $5.44 $6.30 $6.74 $7.01 $6.27 $6.27
Book Value/Share $68.54 $68.78 $52.97 $40.76 $38.47 $31.30 $36.08 $33.67 $28.85 $39.19 $39.74 $39.52 $47.00 $40.45 $44.78 $47.23 $51.10 $51.06 $48.02 $48.30 $69.19
Tangible Book/Share $68.54 $67.37 $52.97 $40.76 $30.72 $22.36 $21.93 $19.52 $13.64 $24.19 $24.34 $23.84 $30.97 $24.49 $27.84 $30.47 $34.19 $-23.64 $47.05 $31.21 $31.21
Revenue/Share $39.04 $32.97 $63.41 $58.12 $54.29 $55.42 $57.11 $60.16 $65.35 $68.67 $72.38 $75.52 $78.28 $81.31 $81.40 $80.78 $83.38 $62.66 $61.66 $60.78 $39.25
FCF/Share $2.23 $-0.07 $11.03 $9.31 $11.96 $12.64 $10.46 $13.73 $13.77 $15.31 $16.39 $12.84 $16.24 $13.59 $9.55 $13.89 $8.35 $13.28 $14.75 $12.29 $12.42
OCF/Share $2.23 $-0.07 $11.03 $9.31 $11.96 $12.64 $10.46 $13.73 $13.77 $15.31 $16.39 $12.84 $16.24 $13.59 $9.55 $13.89 $8.35 $13.28 $14.75 $12.29 $12.42
Cash/Share $296.08 $294.74 $276.15 $274.36 $270.83 $265.49 $254.33 $249.12 $238.72 $249.59 $247.97 $250.27 $266.16 $259.57 $277.23 $282.12 $290.80 $12.66 $9.99 $11.19 $11.30
EBITDA/Share $25.99 $25.01 $17.75 $10.79 $7.98 $5.71 $5.77 $7.20 $8.53 $9.12 $10.82 $11.22 $10.81 $11.09 $10.15 $8.89 $10.86 $11.18 $11.37 $9.77 $9.77
Debt/Share $30.39 $28.97 $29.03 $30.73 $30.67 $32.42 $31.87 $32.50 $31.61 $32.06 $33.19 $31.51 $36.09 $36.39 $32.00 $32.72 $33.10 $21.69 $25.77 $40.65 $40.65
Net Debt/Share $-265.69 $-265.77 $-247.12 $-243.63 $-240.16 $-233.07 $-222.46 $-216.61 $-207.11 $-217.53 $-214.78 $-218.77 $-230.07 $-223.17 $-245.23 $-249.40 $-257.70 $9.03 $15.78 $29.46 $29.46
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-I Score — — — — — — — — — — — — — — — — — — — — 1.194
Altman Z-Prime snapshot only 0.107
Piotroski F-Score 6 6 7 5 6 5 5 6 5 9 7 7 6 6 7 6 6 5 7 6 6
Beneish M-Score -0.17 1.67 — -2.25 -2.50 -2.20 -2.58 -2.54 -2.42 -2.51 -2.47 -2.44 -2.44 -2.50 -2.53 -2.58 -2.61 — -2.53 -3.40 -3.401
Ohlson O-Score snapshot only -6.114
ROIC (Greenblatt) snapshot only 1.02%
Net-Net WC snapshot only $-1806.71
EVA snapshot only $-120300000.00
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 BBB
Credit Score 79.15 75.50 75.40 71.40 60.15 57.65 57.65 65.25 65.25 65.25 65.25 66.75 65.25 64.65 65.25 60.75 59.25 66.75 64.65 56.40 56.400
Credit Grade snapshot only 9
Credit Trend snapshot only -4.350
Implied Spread (bps) snapshot only 275.000

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