$2,212.20

-15.14 (-0.68%)

After Hours: $2212.00 (-0.20, -0.01%)

Weekly Expected Move ±2.0%

$2138 $2182 $2227 $2272 $2316

NYSE · Financial Services · Insurance - Diversified · Tech Score Buy · Power 66 · $5.3B mcap · 2M float · 0.863% daily turnover · Short 74% of daily vol

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

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

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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.

NARROW EDGE

65.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 26.1% · 5Y Avg: 13.6%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. WTM has a Narrow competitive edge (65.0/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 26.1% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

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: 0Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Financial Rating

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

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. WTM receives an overall rating of A. Strongest factors: ROE (5/5), ROA (5/5), D/E (4/5), P/E (4/5), P/B (4/5). Areas of concern: DCF (1/5).

Rating Change History

Date	From	To
2026-10-12	A-	A
2026-08-11	B+	A-
2026-08-07	B	B+
2026-08-06	A-	B
2026-05-11	B-	A-
2026-05-06	C	B-
2026-05-06	A-	C
2026-03-10	A	A-
2026-03-09	A-	A
2026-02-10	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.

★ ★ ★ ★ ★ 50 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. WTM scores highest in Safety (100/100) and lowest in Earnings Quality (40/100). 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

10.15

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-2.75

Unlikely Manipulator

Ohlson O-Score

—

Credit Rating

AA+

Score: 90.2/100

Trend: Improving

Earnings Quality

25/100

OCF/NI: 0.38x

Accruals: 5.4%

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. WTM scores 10.15, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. WTM 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. WTM's score of -2.75 falls below this threshold, suggesting earnings are unlikely to be manipulated. 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. WTM receives an estimated rating of AA+ (score: 90.2/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). WTM's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

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

5.04x

PEG

0.01x

P/S

1.89x

P/B

0.99x

P/FCF

11.75x

P/OCF

11.75x

EV/EBITDA

2.92x

EV/Revenue

1.48x

EV/EBIT

2.97x

EV/FCF

9.73x

Earnings Yield

22.40%

FCF Yield

8.51%

Shareholder Yield

8.82%

Graham Number

$4835.64

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 5.0x earnings, WTM trades at a deep value multiple. An earnings yield of 22.4% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $4835.64 per share, suggesting a potential 117% 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

0.853

NI / EBT

Interest Burden

0.942

EBT / EBIT

EBIT Margin

0.497

EBIT / Rev

Asset Turnover

0.219

Rev / Assets

Equity Multiplier

2.551

Assets / Equity

ROE

22.3%

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. WTM's ROE of 22.3% is driven by a balanced combination of operating margin, asset efficiency, and leverage.

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

1.30%

Fair P/E

11.11x

Intrinsic Value

$5158.94

Price/Value

0.40x

Margin of Safety

59.81%

Premium

-59.81%

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 WTM's realized 1.3% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. WTM trades at a -60% premium to its adjusted intrinsic value of $5158.94, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 11.1x compares to the current market P/E of 5.0x.

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

$2216.79

Median 1Y

$2378.36

5th Pctile

$1536.90

95th Pctile

$3682.14

Ann. Volatility

26.3%

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

Executive	Salary	Stock	Total
G. Manning Rountree Chief Executive Officer	$600,000	$5,954,618	$8,064,309
Liam P. Caffrey President & Chief Financial Officer	$600,000	$3,755,990	$5,945,491
Giles E. Harrison Executive Vice President & Chief Strategy Officer	$600,000	$3,297,942	$5,368,750
Robert L. Seelig Executive Vice President & General Counsel	$600,000	$3,023,114	$4,942,134
Michaela J. Hildreth Managing Director & Chief Accounting Officer	$600,000	$2,290,238	$4,113,296

CEO Pay Ratio

19:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $8,064,309

Avg Employee Cost (SGA/emp): $424,879

Employees: 1,648

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

1,648

+84.5% YoY

Revenue / Employee

$1,642,779

Rev: $2,707,300,000

Profit / Employee

$671,359

NI: $1,106,400,000

SGA / Employee

$424,879

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	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	5.2%	-7.4%	-4.5%	-13.0%	21.7%	21.7%	25.2%	31.1%	6.9%	12.8%	13.5%	11.8%	15.1%	5.3%	0.6%	4.5%	3.0%	22.3%	21.1%	22.3%	22.29%
ROA	3.1%	-4.7%	-2.3%	-6.4%	10.7%	11.0%	12.3%	14.1%	3.4%	6.5%	6.5%	5.3%	7.0%	2.5%	0.3%	1.9%	1.2%	10.0%	8.6%	8.7%	8.74%
ROIC	2.7%	-6.6%	-4.3%	-14.0%	-7.1%	-4.2%	0.3%	7.2%	8.8%	18.2%	16.2%	15.1%	16.7%	7.4%	3.2%	8.7%	6.4%	28.0%	32.9%	26.1%	26.06%
ROCE	0.7%	-3.8%	-2.4%	-7.0%	-2.7%	-1.5%	1.4%	4.4%	5.2%	7.5%	6.9%	6.0%	10.0%	3.9%	2.0%	3.7%	3.1%	11.4%	16.6%	10.1%	10.11%
Gross Margin	3.2%	59.5%	24.9%	-1.3%	24.3%	66.5%	60.5%	39.1%	31.1%	70.4%	58.8%	34.3%	56.0%	9.8%	35.2%	58.5%	54.0%	66.1%	59.8%	79.2%	79.21%
Operating Margin	3.9%	10.5%	-11.9%	-3.0%	-8.1%	29.5%	37.4%	4.6%	4.1%	44.5%	35.9%	-8.8%	25.1%	-33.7%	12.5%	25.6%	20.7%	1.6%	-4.9%	30.3%	30.31%
Net Margin	4.0%	9.4%	12.8%	-2.2%	2.3%	9.2%	33.7%	5.2%	4.5%	38.9%	36.5%	-13.8%	18.8%	-36.4%	5.9%	17.8%	13.2%	1.5%	-6.0%	23.6%	23.62%
EBITDA Margin	3.8%	19.6%	-1.4%	-2.8%	-5.7%	31.8%	39.8%	7.7%	6.1%	45.9%	38.0%	-5.7%	26.6%	-29.5%	15.8%	28.2%	23.3%	1.6%	-0.3%	33.7%	33.74%
FCF Margin	1.6%	10.3%	19.4%	18.5%	14.8%	37.2%	36.5%	31.4%	34.5%	18.6%	15.6%	22.8%	20.9%	26.0%	23.4%	18.3%	22.5%	20.3%	23.7%	15.2%	15.18%
OCF Margin	1.6%	10.3%	19.4%	18.5%	14.8%	37.2%	36.5%	31.4%	34.5%	18.6%	15.6%	22.8%	20.9%	26.0%	23.4%	18.3%	22.5%	20.3%	23.7%	15.2%	15.18%
ROE 3Y Avg	snapshot only																				12.10%
ROE 5Y Avg	snapshot only																				10.15%
ROA 3Y Avg	snapshot only																				4.90%
ROIC 3Y Avg	snapshot only																				15.30%
ROIC Economic	snapshot only																				18.84%
Cash ROA	snapshot only																				3.09%
Cash ROIC	snapshot only																				9.38%
CROIC	snapshot only																				9.38%
NOPAT Margin	snapshot only																				42.15%
Pretax Margin	snapshot only																				46.79%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				27.58%
SBC / Revenue	snapshot only																				0.34%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	17.99	-11.08	-20.25	-7.71	4.73	4.59	3.72	3.11	14.33	7.56	8.02	9.35	6.63	21.67	175.39	22.22	30.30	4.80	5.39	4.47	5.040
P/S Ratio	3.43	3.92	3.92	6.15	3.47	3.14	2.44	2.02	2.02	1.78	1.99	2.00	1.57	2.12	2.14	1.77	1.71	1.96	2.12	1.78	1.888
P/B Ratio	0.92	0.86	0.95	1.10	1.00	0.97	0.90	0.89	0.95	0.91	1.02	1.04	0.93	1.11	1.09	0.98	0.89	0.98	1.04	0.93	0.990
P/FCF	218.52	37.99	20.22	33.28	23.51	8.44	6.69	6.44	5.85	9.53	12.79	8.75	7.51	8.17	9.15	9.69	7.58	9.64	8.94	11.75	11.746
P/OCF	218.52	37.99	20.22	33.28	23.51	8.44	6.69	6.44	5.85	9.53	12.79	8.75	7.51	8.17	9.15	9.69	7.58	9.64	8.94	11.75	11.746
EV/EBITDA	38.95	-13.13	-27.19	-7.24	-16.48	-28.92	26.81	8.18	7.31	4.60	6.01	6.51	5.29	11.69	19.63	8.51	9.44	2.95	2.74	2.92	2.923
EV/Revenue	3.21	3.96	3.97	6.13	2.70	2.62	2.07	1.69	1.61	1.29	1.70	1.68	1.58	1.84	1.86	1.43	1.45	1.54	1.37	1.48	1.476
EV/EBIT	62.94	-11.46	-22.56	-6.77	-14.23	-27.78	26.24	7.98	7.09	4.47	5.85	6.33	5.20	11.49	19.34	8.49	9.53	2.97	2.76	2.97	2.971
EV/FCF	204.44	38.41	20.47	33.19	18.27	7.04	5.67	5.39	4.67	6.94	10.91	7.35	7.54	7.10	7.95	7.84	6.42	7.58	5.77	9.73	9.726
Earnings Yield	5.6%	-9.0%	-4.9%	-13.0%	21.1%	21.8%	26.9%	32.2%	7.0%	13.2%	12.5%	10.7%	15.1%	4.6%	0.6%	4.5%	3.3%	20.8%	18.6%	22.4%	22.40%
FCF Yield	0.5%	2.6%	4.9%	3.0%	4.3%	11.8%	15.0%	15.5%	17.1%	10.5%	7.8%	11.4%	13.3%	12.2%	10.9%	10.3%	13.2%	10.4%	11.2%	8.5%	8.51%
PEG Ratio	snapshot only																				0.011
Price/Tangible Book	snapshot only																				1.187
EV/OCF	snapshot only																				9.726
EV/Gross Profit	snapshot only																				2.265
Acquirers Multiple	snapshot only																				3.155
Shareholder Yield	snapshot only																				8.82%
Graham Number	snapshot only																				$4835.64

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	—	—	1.79	—	—	—	—	—	—	—	—	—	1.39	12.82	—	—	—	—	1.02	—	—
Quick Ratio	—	—	1.79	—	—	—	—	—	—	—	—	—	1.39	12.82	—	—	—	—	1.02	—	—
Debt/Equity	0.20	0.18	0.20	0.19	0.17	0.15	0.14	0.14	0.14	0.13	0.12	0.12	0.12	0.13	0.15	0.13	0.16	0.15	0.16	0.17	0.173
Net Debt/Equity	-0.06	0.01	0.01	-0.00	-0.22	-0.16	-0.14	-0.15	-0.19	-0.25	-0.15	-0.17	0.00	-0.15	-0.14	-0.19	-0.14	-0.21	-0.37	-0.16	-0.159
Debt/Assets	0.10	0.09	0.09	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.06	0.05	0.05	0.06	0.06	0.05	0.06	0.07	0.06	0.07	0.068
Debt/EBITDA	9.08	-2.72	-5.50	-1.23	-3.51	-5.49	5.03	1.58	1.37	0.93	0.83	0.89	0.67	1.52	3.12	1.36	2.01	0.59	0.63	0.66	0.659
Net Debt/EBITDA	-2.68	-0.14	-0.34	0.02	4.72	5.76	-4.80	-1.61	-1.85	-1.71	-1.03	-1.25	0.02	-1.76	-2.96	-2.01	-1.71	-0.80	-1.50	-0.61	-0.607
Interest Coverage	1.67	-8.41	-5.87	-16.47	-5.23	-2.71	2.33	6.99	7.35	10.02	10.52	9.61	12.86	6.21	3.47	6.47	5.36	23.93	21.74	22.62	22.624
Equity Multiplier	2.02	1.97	2.08	2.31	2.03	1.97	2.04	2.14	2.06	1.98	2.15	2.30	2.24	2.21	2.44	2.55	2.59	2.27	2.45	2.55	2.555
Debt Service Coverage	snapshot only																				22.993
Cash to Debt	snapshot only																				1.920
FCF to Debt	snapshot only																				0.456
Defensive Interval	snapshot only																				2371.1 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.17	0.13	0.12	0.08	0.15	0.16	0.19	0.22	0.24	0.27	0.26	0.25	0.30	0.26	0.22	0.23	0.22	0.24	0.22	0.22	0.219
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	1.63	1.63	0.77	0.49	0.93	1.15	1.03	1.13	1.45	1.96	1.41	1.19	1.52	1.88	1.13	1.10	1.05	2.30	1.11	1.36	1.362
Payables Turnover	1.25	2.16	1.13	1.34	1.73	2.39	2.39	2.64	4.12	6.12	4.15	3.18	6.18	7.96	3.46	2.79	3.93	4.14	1.87	1.48	1.484
DSO	224	224	477	741	390	318	353	322	252	186	258	308	240	194	322	331	348	159	330	268	267.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	292	169	324	272	211	153	153	139	89	60	88	115	59	46	106	131	93	88	195	246	246.0 days
Cash Conversion Cycle	-69	55	153	469	180	165	200	183	164	126	171	193	181	148	216	201	255	70	135	22	21.9 days
Cash Velocity	snapshot only																				1.564
Capital Intensity	snapshot only																				4.916

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	17.9%	-32.4%	-39.3%	-60.4%	12.8%	48.8%	66.1%	1.9%	74.5%	87.1%	59.7%	32.8%	46.3%	8.7%	0.1%	12.2%	-8.9%	15.0%	15.8%	8.6%	8.60%
Net Income	-35.4%	-1.4%	-1.2%	-1.6%	3.3%	3.9%	6.6%	3.4%	-66.5%	-35.8%	-39.7%	-56.4%	1.5%	-54.8%	-95.1%	-58.2%	-78.3%	3.8%	36.3%	4.4%	4.44%
EPS	-35.3%	-1.4%	-1.2%	-1.6%	3.6%	4.4%	7.6%	3.8%	-62.1%	-35.4%	-39.5%	-56.5%	1.5%	-54.9%	-95.1%	-58.4%	-78.4%	3.8%	36.1%	4.7%	4.75%
FCF	1.4%	2.3%	2.8%	15.1%	9.6%	4.4%	2.1%	3.9%	3.1%	-6.2%	-32.0%	-3.4%	-11.3%	51.3%	50.6%	-10.4%	-1.9%	-10.0%	17.4%	-9.7%	-9.73%
EBITDA	-80.8%	-1.3%	-1.2%	-1.7%	-3.2%	55.4%	1.9%	1.7%	3.3%	6.8%	4.8%	65.6%	98.1%	-39.2%	-66.4%	-26.8%	-53.2%	2.8%	5.1%	2.3%	2.26%
Op. Income	-94.4%	-1.5%	-1.3%	-1.8%	-14.3%	45.0%	1.3%	1.5%	2.4%	4.4%	8.3%	73.8%	1.1%	-44.0%	-73.9%	-32.8%	-59.9%	3.2%	6.9%	2.6%	2.56%
OCF Growth	snapshot only																				-9.73%
Asset Growth	snapshot only																				16.44%
Equity Growth	snapshot only																				16.01%
Debt Growth	snapshot only																				58.05%
Shares Change	snapshot only																				-5.26%
Dividend Growth	snapshot only																				94.88%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	25.8%	28.2%	4.2%	-8.1%	13.9%	9.0%	56.8%	51.2%	32.4%	23.5%	17.2%	15.3%	42.3%	44.6%	38.5%	63.1%	32.5%	32.7%	22.8%	17.4%	17.39%
Revenue 5Y	-3.8%	0.9%	13.2%	3.6%	15.2%	25.4%	34.3%	36.5%	31.4%	42.5%	24.6%	24.5%	30.4%	21.4%	43.9%	38.8%	25.3%	18.7%	13.3%	13.3%	13.28%
EPS 3Y	1.1%	—	—	—	58.7%	33.3%	8.6%	1.4%	4.4%	-4.5%	-3.4%	-8.4%	62.7%	—	—	—	-41.5%	12.1%	3.3%	1.3%	1.30%
EPS 5Y	-16.7%	—	—	—	16.0%	13.5%	20.7%	23.6%	77.1%	—	29.7%	24.0%	30.0%	-7.2%	92.7%	20.8%	-9.7%	13.7%	10.4%	12.9%	12.94%
Net Income 3Y	1.1%	—	—	—	53.7%	24.1%	8.0%	1.3%	-2.1%	-10.4%	-9.4%	-14.4%	52.9%	—	—	—	-43.7%	11.8%	3.5%	-0.3%	-0.29%
Net Income 5Y	-24.0%	—	—	—	7.1%	5.3%	11.9%	16.5%	69.5%	—	24.2%	18.8%	24.5%	-11.1%	84.6%	16.4%	-12.9%	9.3%	6.4%	7.3%	7.32%
EBITDA 3Y	—	—	—	—	—	—	1.7%	39.3%	0.3%	-5.3%	-5.3%	-8.3%	1.2%	—	—	—	—	—	1.3%	58.1%	58.09%
EBITDA 5Y	-22.1%	—	—	—	—	—	—	—	—	—	25.0%	19.7%	26.9%	-3.9%	1.1%	26.8%	-1.3%	14.5%	11.8%	13.0%	12.99%
Gross Profit 3Y	2.4%	-16.3%	-33.7%	—	-25.9%	-24.8%	26.9%	26.3%	8.3%	2.5%	-0.6%	-0.9%	47.5%	76.7%	63.7%	—	60.7%	60.7%	37.0%	28.8%	28.81%
Gross Profit 5Y	-7.0%	-8.9%	-3.3%	—	-3.3%	-1.0%	13.5%	19.2%	15.2%	28.0%	11.2%	11.1%	19.0%	5.7%	25.1%	22.6%	8.8%	6.4%	4.8%	8.2%	8.24%
Op. Income 3Y	—	—	—	—	—	—	—	61.8%	2.1%	-4.3%	-3.8%	-8.0%	2.4%	—	—	—	—	—	1.7%	60.9%	60.89%
Op. Income 5Y	-38.9%	—	—	—	—	—	—	—	—	—	28.7%	22.6%	30.2%	-4.8%	—	37.7%	-2.3%	15.5%	12.8%	13.3%	13.32%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	2.4%	96.7%	47.4%	62.4%	52.5%	8.5%	6.3%	-7.9%	-7.89%
FCF 5Y	—	—	—	—	—	1.3%	95.1%	64.1%	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	2.4%	96.7%	47.4%	62.4%	52.5%	8.5%	6.3%	-7.9%	-7.89%
OCF 5Y	—	—	—	15.4%	14.7%	35.4%	37.6%	62.4%	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	27.6%	27.7%	26.6%	26.9%	25.3%	22.9%	28.6%	27.9%	22.9%	20.2%	11.6%	11.8%	13.3%	12.3%	14.4%	15.6%	17.8%	18.5%	18.3%	18.0%	18.01%
Assets 5Y	1.3%	1.4%	2.5%	2.5%	15.7%	15.1%	17.3%	20.0%	18.9%	20.1%	21.4%	22.1%	21.9%	20.0%	24.1%	24.2%	23.0%	20.6%	13.8%	13.6%	13.59%
Equity 3Y	5.7%	7.7%	4.3%	1.9%	5.1%	4.7%	8.2%	7.4%	5.0%	2.8%	5.3%	3.6%	9.4%	8.1%	8.4%	11.8%	8.7%	13.1%	11.3%	11.2%	11.17%
Book Value 3Y	6.7%	9.6%	6.2%	4.1%	8.5%	12.4%	16.2%	14.6%	12.0%	9.6%	12.3%	10.9%	16.4%	14.1%	14.3%	17.4%	13.0%	13.4%	11.0%	12.9%	12.94%
Dividend 3Y	-0.1%	-0.4%	-0.4%	-0.0%	1.0%	7.3%	3.6%	2.9%	2.8%	1.6%	5.2%	5.7%	5.0%	4.2%	6.8%	6.4%	5.3%	1.6%	-2.8%	24.6%	24.63%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.05	0.17	0.31	0.14	0.99	0.62	0.62	0.49	0.82	0.72	0.61	0.52	0.80	0.74	0.93	0.88	0.85	0.85	0.83	0.94	0.943
Earnings Stability	0.47	0.12	0.15	0.08	0.10	0.01	0.04	0.02	0.34	0.17	0.21	0.10	0.32	0.00	0.01	0.01	0.00	0.13	0.03	0.07	0.071
Margin Stability	0.74	0.53	0.57	0.21	0.56	0.46	0.52	0.18	0.52	0.45	0.51	0.13	0.57	0.46	0.57	0.09	0.55	0.58	0.66	0.75	0.748
Rev. Growth Consistency	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.86	0.20	0.20	0.20	0.50	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.500
Earnings Smoothness	0.57	—	—	—	0.00	—	—	—	0.00	0.56	0.50	0.21	0.16	0.25	0.00	0.18	0.00	0.00	0.00	0.00	0.000
ROE Trend	-0.02	-0.23	-0.15	-0.26	0.14	0.16	0.16	0.26	-0.06	0.05	0.03	0.04	0.00	-0.11	-0.18	-0.16	-0.07	0.12	0.13	0.13	0.130
Gross Margin Trend	-0.39	-0.67	-0.59	-1.04	-0.46	-0.29	-0.13	0.19	0.11	0.25	0.20	0.38	0.20	0.04	-0.08	-0.05	-0.09	0.04	0.13	0.16	0.163
FCF Margin Trend	0.09	0.20	0.41	0.35	0.16	0.35	0.30	0.22	0.26	-0.05	-0.12	-0.02	-0.04	-0.02	-0.03	-0.09	-0.05	-0.02	0.04	-0.05	-0.054
Sustainable Growth Rate	5.1%	—	—	—	21.6%	21.7%	25.2%	31.1%	6.8%	12.7%	13.5%	11.7%	15.1%	5.2%	0.6%	4.5%	2.9%	22.3%	21.0%	22.2%	22.19%
Internal Growth Rate	3.2%	—	—	—	11.9%	12.3%	13.9%	16.3%	3.4%	6.9%	6.9%	5.6%	7.5%	2.6%	0.2%	1.9%	1.2%	11.0%	9.4%	9.5%	9.53%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.08	-0.29	-1.00	-0.23	0.20	0.54	0.56	0.48	2.45	0.79	0.63	1.07	0.88	2.65	19.16	2.29	4.00	0.50	0.60	0.38	0.380
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																				0.380
OCF/EBITDA	snapshot only																				0.301
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	0.03	-0.06	-0.05	-0.08	0.09	0.05	0.05	0.07	-0.05	0.01	0.02	-0.00	0.01	-0.04	-0.05	-0.02	-0.04	0.05	0.03	0.05	0.054
Sloan Accruals	snapshot only																				-0.002
Cash Flow Adequacy	snapshot only																				88.542
Earnings Quality Score	snapshot only																				0.250

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.1%	0.05%
Dividend/Share	$1.02	$0.99	$0.97	$0.99	$1.02	$1.17	$1.02	$1.03	$1.03	$1.02	$0.99	$0.99	$0.99	$0.97	$1.02	$1.02	$1.02	$1.02	$0.94	$1.99	$1.00
Payout Ratio	1.7%	—	—	—	0.4%	0.4%	0.3%	0.2%	1.0%	0.5%	0.4%	0.5%	0.4%	1.1%	9.3%	1.3%	1.9%	0.2%	0.2%	0.4%	0.43%
FCF Payout Ratio	20.8%	3.7%	1.7%	2.6%	1.8%	0.7%	0.5%	0.5%	0.4%	0.6%	0.7%	0.5%	0.4%	0.4%	0.5%	0.6%	0.5%	0.5%	0.4%	1.1%	1.13%
Total Payout Ratio	54.0%	—	—	—	80.3%	78.6%	64.9%	48.7%	15.4%	6.9%	3.2%	2.2%	1.6%	4.5%	44.1%	6.0%	8.8%	18.5%	21.2%	39.4%	39.37%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1	0
Chowder Number	-0.03	-0.06	-0.06	-0.06	-0.06	0.00	-0.10	-0.10	-0.10	-0.13	-0.04	-0.04	-0.04	-0.04	0.04	0.04	0.04	0.04	-0.08	0.85	0.847
Buyback Yield	2.9%	3.5%	4.3%	5.6%	16.9%	17.1%	17.4%	15.6%	1.0%	0.8%	0.3%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	3.8%	3.9%	8.7%	8.72%
Net Buyback Yield	2.9%	3.5%	4.3%	5.6%	16.9%	17.1%	17.4%	15.6%	1.0%	0.8%	0.3%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	3.8%	3.9%	8.7%	8.72%
Total Shareholder Return	3.0%	3.6%	4.4%	5.7%	17.0%	17.1%	17.4%	15.7%	1.1%	0.9%	0.4%	0.2%	0.2%	0.2%	0.3%	0.3%	0.3%	3.9%	3.9%	8.8%	8.82%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	9.33	0.91	0.94	0.83	-3.25	-5.31	14.56	3.59	0.72	0.90	0.95	0.90	0.85	0.73	0.18	0.56	0.46	0.83	0.85	0.85	0.853
Interest Burden (EBT/EBIT)	0.40	1.12	1.17	1.06	1.19	1.37	0.57	0.86	0.86	0.90	0.90	0.90	0.92	0.84	0.71	0.85	0.81	0.94	0.94	0.94	0.942
EBIT Margin	0.05	-0.35	-0.18	-0.91	-0.19	-0.09	0.08	0.21	0.23	0.29	0.29	0.27	0.30	0.16	0.10	0.17	0.15	0.52	0.50	0.50	0.497
Asset Turnover	0.17	0.13	0.12	0.08	0.15	0.16	0.19	0.22	0.24	0.27	0.26	0.25	0.30	0.26	0.22	0.23	0.22	0.24	0.22	0.22	0.219
Equity Multiplier	1.66	1.59	1.94	2.05	2.03	1.97	2.06	2.21	2.05	1.98	2.10	2.22	2.16	2.10	2.29	2.43	2.42	2.24	2.45	2.55	2.551

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$59.30	$-91.27	$-56.00	$-161.32	$274.98	$307.90	$369.82	$446.65	$104.28	$198.83	$223.66	$194.29	$255.55	$89.72	$10.98	$80.82	$55.17	$433.17	$407.73	$464.36	$464.36
Book Value/Share	$1153.71	$1175.85	$1189.98	$1130.11	$1298.55	$1455.17	$1537.10	$1553.47	$1565.30	$1655.79	$1766.19	$1746.82	$1820.21	$1745.99	$1774.73	$1827.54	$1875.97	$2124.14	$2103.82	$2238.04	$2596.78
Tangible Book/Share	$798.26	$1063.01	$836.73	$994.76	$1160.85	$1302.78	$1388.92	$1405.50	$1417.81	$1511.08	$1475.17	$1458.09	$1533.71	$1465.50	$1493.31	$1510.62	$1462.86	$1604.12	$1552.09	$1746.39	$1746.39
Revenue/Share	$310.89	$257.90	$289.05	$202.23	$374.82	$449.69	$563.02	$685.68	$740.26	$846.07	$901.66	$908.09	$1079.00	$916.78	$899.17	$1014.64	$979.46	$1059.95	$1035.52	$1163.11	$1163.11
FCF/Share	$4.88	$26.61	$56.10	$37.37	$55.33	$167.23	$205.73	$215.38	$255.58	$157.79	$140.26	$207.48	$225.74	$238.08	$210.43	$185.25	$220.63	$215.53	$245.68	$176.52	$176.52
OCF/Share	$4.88	$26.61	$56.10	$37.37	$55.33	$167.23	$205.73	$215.38	$255.58	$157.79	$140.26	$207.48	$225.74	$238.08	$210.43	$185.25	$220.63	$215.53	$245.68	$176.52	$176.52
Cash/Share	$301.46	$200.76	$217.90	$213.72	$505.03	$457.92	$428.12	$451.76	$525.47	$628.50	$472.84	$500.99	$208.41	$473.71	$518.14	$575.82	$557.53	$771.92	$1105.14	$743.81	$743.81
EBITDA/Share	$25.62	$-77.85	$-42.23	$-171.42	$-61.36	$-40.70	$43.52	$141.75	$163.03	$238.30	$254.55	$234.10	$321.63	$144.51	$85.28	$170.61	$149.96	$554.43	$518.13	$587.35	$587.35
Debt/Share	$232.73	$211.80	$232.11	$210.19	$215.55	$223.39	$219.12	$224.22	$223.83	$220.46	$210.22	$209.42	$215.12	$219.04	$266.08	$232.16	$301.33	$327.70	$326.84	$387.32	$387.32
Net Debt/Share	$-68.73	$11.04	$14.21	$-3.54	$-289.48	$-234.53	$-209.00	$-227.54	$-301.64	$-408.04	$-262.61	$-291.57	$6.71	$-254.67	$-252.07	$-343.67	$-256.20	$-444.22	$-778.30	$-356.50	$-356.50

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	10.154
Altman Z-Prime	snapshot only																				2.518
Piotroski F-Score	3	3	3	3	6	7	7	7	7	6	5	5	6	4	3	6	3	6	5	6	6
Beneish M-Score	—	10.67	-2.25	-1.36	—	-1.98	-1.75	-1.41	-2.65	-2.16	-2.16	-2.20	-1.98	2.27	-1.71	-2.22	-2.39	-2.65	-2.61	-2.75	-2.752
Net-Net WC	snapshot only																				$-3121.24
EVA	snapshot only																				$727300000.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	45.62	50.44	59.01	54.59	56.39	64.74	69.30	84.39	86.27	92.47	93.15	88.49	92.56	82.97	75.86	84.73	79.26	95.08	94.14	90.23	90.232
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				5.498
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				76
Sector Credit Rank	snapshot only																				90

WTM NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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