Ohio Valley Banc Corp. (OVBC)

Analysis: Growth Rates Industry: Banks - Regional Sector: Financial Services Live Price: $40.06

Enterprise Value

Metric / Stat	3Y	5Y	10Y	15Y	20Y	25Y
Stock Price
Avg YoY	-3.84%	1.76%	2.83%	3.58%	1.73%	2.66%
Slope	-4.50%	-2.14%	-2.79%	2.20%	1.60%	1.66%
CAGR	-4.27%	0.64%	-0.15%	1.52%	-0.23%	0.80%
LSR	-4.27%	-2.01%	-2.67%	2.45%	1.57%	1.62%
Market Capitalization
Avg YoY	-3.84%	1.76%	2.83%	3.58%	1.73%	2.66%
Slope	-4.50%	-2.14%	-2.79%	2.20%	1.60%	1.66%
CAGR	-4.27%	0.64%	-0.15%	1.52%	-0.23%	0.80%
LSR	-4.27%	-2.01%	-2.67%	2.45%	1.57%	1.62%
(-) Cash & Equivalents
Avg YoY	66.40%	18.42%	28.05%	17.63%	27.25%	22.76%
Slope	20.71%	-12.57%	7.12%	6.10%	8.15%	7.84%
CAGR	32.23%	-12.12%	4.83%	1.13%	7.49%	6.95%
LSR	32.23%	-11.47%	7.36%	5.68%	9.50%	8.59%
(+) Total Debt
Avg YoY	43.48%	15.16%	7.38%	0.43%	-1.04%	2.11%
Slope	24.92%	12.63%	-0.20%	-2.15%	-7.77%	-6.39%
CAGR	33.72%	7.53%	3.13%	-4.53%	-5.03%	-1.87%
LSR	33.72%	12.73%	-0.64%	-1.36%	-6.50%	-6.31%
Enterprise Value
Avg YoY	30.16%	168.41%	71.77%	46.83%	31.62%	26.91%
Slope	-16.46%	32.76%	-10.51%	-2.83%	-6.36%	-5.00%
CAGR	-12.33%	71.59%	-2.26%	-2.56%	-5.36%	-2.69%
LSR	-12.33%	66.35%	-12.76%	-6.16%	-8.21%	-6.88%

Income Statement

Metric / Stat	3Y	5Y	10Y	15Y	20Y	25Y
Revenue
Avg YoY	24.16%	13.08%	8.36%	4.28%	3.32%	2.85%
Slope	21.13%	13.06%	5.95%	3.54%	1.42%	1.05%
CAGR	24.07%	12.45%	7.88%	3.81%	2.91%	2.51%
LSR	24.07%	13.32%	5.79%	3.28%	1.21%	0.89%
Cost of Revenue
Avg YoY	301.53%	131.09%	69.17%	36.64%	27.50%	20.82%
Slope	79.61%	44.05%	18.54%	2.88%	-5.41%	-5.12%
CAGR	223.84%	33.84%	25.07%	3.01%	2.07%	0.52%
LSR	223.84%	49.64%	12.74%	0.34%	-6.16%	-6.36%
Gross Profit
Avg YoY	4.05%	6.43%	4.43%	4.41%	3.58%	4.22%
Slope	3.98%	5.84%	3.60%	3.68%	3.58%	3.48%
CAGR	4.04%	6.39%	4.23%	4.24%	3.38%	4.02%
LSR	4.04%	6.12%	3.71%	3.80%	3.67%	3.60%
Gross Margin
Avg YoY	-16.04%	-4.57%	-3.00%	0.89%	0.99%	1.96%
Slope	-17.79%	-6.17%	-1.79%	0.46%	2.20%	2.50%
CAGR	-16.14%	-5.39%	-3.39%	0.42%	0.46%	1.47%
LSR	-16.14%	-6.35%	-1.97%	0.50%	2.43%	2.69%
SG&A Expenses
Avg YoY	11.98%	3.36%	3.88%	4.00%	4.65%	5.08%
Slope	11.35%	2.62%	1.51%	2.88%	3.91%	4.34%
CAGR	11.86%	2.95%	3.57%	3.78%	4.43%	4.89%
LSR	11.86%	2.48%	1.56%	3.04%	4.29%	4.80%
Operating Expenses
Avg YoY	8.74%	7.85%	5.27%	4.18%	4.29%	4.38%
Slope	8.40%	7.09%	3.50%	3.46%	3.69%	3.73%
CAGR	8.70%	7.82%	5.05%	4.00%	4.14%	4.25%
LSR	8.70%	7.32%	3.57%	3.50%	3.82%	3.89%
Operating Income (EBIT)
Avg YoY	-8.30%	2.74%	3.36%	6.40%	2.98%	4.86%
Slope	-8.61%	2.34%	3.86%	4.36%	3.27%	2.81%
CAGR	-8.37%	2.10%	1.81%	5.17%	1.38%	3.31%
LSR	-8.37%	2.51%	4.13%	4.77%	3.32%	2.88%
Operating Margin
Avg YoY	-26.15%	-7.22%	-3.76%	3.24%	0.67%	2.82%
Slope	-29.84%	-8.78%	-1.23%	1.23%	1.97%	1.87%
CAGR	-26.15%	-9.20%	-5.63%	1.30%	-1.48%	0.78%
LSR	-26.15%	-9.54%	-1.57%	1.44%	2.09%	1.97%
Interest Income
Avg YoY	26.30%	13.95%	9.05%	4.14%	3.18%	2.62%
Slope	22.86%	13.83%	6.07%	3.45%	0.95%	0.62%
CAGR	26.24%	13.19%	8.45%	3.51%	2.63%	2.15%
LSR	26.24%	14.06%	5.91%	3.18%	0.76%	0.45%
Interest Expense
Avg YoY	264.14%	116.19%	62.04%	30.81%	21.78%	16.21%
Slope	79.28%	48.33%	22.87%	6.18%	-5.23%	-5.25%
CAGR	208.21%	44.46%	28.41%	5.04%	2.11%	0.47%
LSR	208.21%	55.22%	19.10%	3.03%	-5.79%	-6.47%
Net Interest Income
Avg YoY	4.37%	5.10%	4.36%	2.93%	3.06%	3.65%
Slope	4.28%	5.09%	2.92%	2.91%	2.82%	2.83%
CAGR	4.36%	5.06%	4.18%	2.78%	2.94%	3.52%
LSR	4.36%	5.22%	3.05%	2.96%	2.85%	2.91%
Other Income / Expense
Avg YoY	4.37%	5.10%	4.36%	2.93%	3.06%	3.65%
Slope	4.28%	5.09%	2.92%	2.91%	2.82%	2.83%
CAGR	4.36%	5.06%	4.18%	2.78%	2.94%	3.52%
LSR	4.36%	5.22%	3.05%	2.96%	2.85%	2.91%
Unusual Items
Avg YoY	4.37%	5.10%	4.36%	2.93%	3.06%	3.65%
Slope	-4.28%	-5.09%	-2.92%	-2.91%	-2.82%	-2.83%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
EBT excl. Unusual
Avg YoY	1.15%	4.45%	3.87%	3.40%	2.72%	3.65%
Slope	1.15%	4.42%	3.15%	3.25%	2.93%	2.83%
CAGR	1.15%	4.39%	3.62%	3.23%	2.56%	3.47%
LSR	1.15%	4.59%	3.29%	3.33%	2.95%	2.90%
Pre-Tax Income
Avg YoY	-8.30%	2.74%	3.36%	6.40%	2.98%	4.86%
Slope	-8.61%	2.34%	3.86%	4.36%	3.27%	2.81%
CAGR	-8.37%	2.10%	1.81%	5.17%	1.38%	3.31%
LSR	-8.37%	2.51%	4.13%	4.77%	3.32%	2.88%
Pre-Tax Margin
Avg YoY	-26.15%	-7.22%	-3.76%	3.24%	0.67%	2.82%
Slope	-29.84%	-8.78%	-1.23%	1.23%	1.97%	1.87%
CAGR	-26.15%	-9.20%	-5.63%	1.30%	-1.48%	0.78%
LSR	-26.15%	-9.54%	-1.57%	1.44%	2.09%	1.97%
Income Tax Expense
Avg YoY	-4.22%	4.16%	6.92%	9.66%	4.17%	6.37%
Slope	-4.32%	3.96%	-2.05%	0.11%	-0.24%	0.08%
CAGR	-4.27%	3.79%	-1.84%	3.29%	-1.69%	1.36%
LSR	-4.27%	4.23%	-1.23%	0.42%	-0.21%	0.14%
Net Income
Avg YoY	-9.11%	2.46%	4.96%	7.19%	4.07%	5.49%
Slope	-9.49%	2.02%	5.29%	5.52%	4.31%	3.67%
CAGR	-9.19%	1.76%	2.81%	5.65%	2.39%	3.89%
LSR	-9.19%	2.15%	5.80%	5.97%	4.33%	3.67%
Net Margin
Avg YoY	-26.81%	-7.42%	-1.97%	4.14%	1.84%	3.51%
Slope	-30.67%	-9.04%	0.28%	2.37%	2.94%	2.67%
CAGR	-26.81%	-9.51%	-4.70%	1.77%	-0.50%	1.35%
LSR	-26.81%	-9.85%	0.02%	2.60%	3.09%	2.76%
Depreciation & Amortization
Avg YoY	5.16%	3.28%	7.35%	3.46%	2.31%	0.79%
Slope	5.04%	2.71%	4.45%	4.01%	2.70%	0.84%
CAGR	5.15%	3.23%	6.74%	2.74%	1.66%	0.15%
LSR	5.15%	2.72%	4.89%	4.12%	2.61%	0.77%
EBITDA
Avg YoY	-7.02%	2.72%	3.46%	5.77%	2.64%	3.99%
Slope	-7.25%	2.38%	3.92%	4.33%	3.21%	2.59%
CAGR	-7.08%	2.23%	2.27%	4.84%	1.42%	2.80%
LSR	-7.08%	2.54%	4.18%	4.66%	3.24%	2.60%
EBITDA Margin
Avg YoY	-25.10%	-7.33%	-3.67%	2.56%	0.29%	1.93%
Slope	-28.55%	-8.84%	-1.18%	1.19%	1.90%	1.65%
CAGR	-25.10%	-9.09%	-5.20%	0.99%	-1.45%	0.28%
LSR	-25.10%	-9.51%	-1.52%	1.34%	2.01%	1.70%
NOPAT
Avg YoY	-8.30%	2.74%	3.36%	6.40%	2.98%	4.86%
Slope	-8.61%	2.34%	3.86%	4.36%	3.27%	2.81%
CAGR	-8.37%	2.10%	1.81%	5.17%	1.38%	3.31%
LSR	-8.37%	2.51%	4.13%	4.77%	3.32%	2.88%
NOPAT Margin
Avg YoY	-26.15%	-7.22%	-3.76%	3.24%	0.67%	2.82%
Slope	-29.84%	-8.78%	-1.23%	1.23%	1.97%	1.87%
CAGR	-26.15%	-9.20%	-5.63%	1.30%	-1.48%	0.78%
LSR	-26.15%	-9.54%	-1.57%	1.44%	2.09%	1.97%
Owner's Earnings
Avg YoY	-6.39%	9.91%	10.36%	9.03%	6.27%	-37.63%
Slope	-6.78%	4.65%	6.83%	4.72%	3.48%	11.47%
CAGR	-6.47%	7.90%	4.52%	5.13%	2.10%	3.26%
LSR	-6.47%	5.67%	7.16%	4.57%	3.27%	—
Owner's Earnings Margin
Avg YoY	-24.36%	0.16%	3.80%	6.14%	4.16%	-39.22%
Slope	-28.61%	-6.52%	1.54%	1.40%	2.07%	10.36%
CAGR	-24.61%	-4.05%	-3.11%	1.27%	-0.78%	0.73%
LSR	-24.61%	-6.75%	1.30%	1.25%	2.04%	—
EPS (Basic)
Avg YoY	-8.82%	2.71%	3.45%	5.96%	3.58%	5.22%
Slope	-9.17%	2.22%	4.18%	4.00%	3.21%	3.01%
CAGR	-8.88%	2.03%	1.22%	4.35%	1.85%	3.57%
LSR	-8.88%	2.38%	4.50%	4.24%	3.24%	3.11%
EPS (Diluted)
Avg YoY	-8.82%	2.71%	3.45%	5.96%	3.58%	5.22%
Slope	-9.17%	2.22%	4.18%	4.00%	3.21%	3.01%
CAGR	-8.88%	2.03%	1.22%	4.35%	1.85%	3.57%
LSR	-8.88%	2.38%	4.50%	4.24%	3.24%	3.11%
Shares (Basic)
Avg YoY	-0.34%	-0.26%	1.61%	1.27%	0.56%	0.33%
Slope	-0.34%	-0.22%	1.19%	1.62%	1.07%	0.56%
CAGR	-0.34%	-0.26%	1.57%	1.24%	0.54%	0.31%
LSR	-0.34%	-0.22%	1.24%	1.66%	1.06%	0.54%
Shares (Diluted)
Avg YoY	-0.34%	-0.26%	1.61%	1.27%	0.56%	0.33%
Slope	-0.34%	-0.22%	1.19%	1.62%	1.07%	0.56%
CAGR	-0.34%	-0.26%	1.57%	1.24%	0.54%	0.31%
LSR	-0.34%	-0.22%	1.24%	1.66%	1.06%	0.54%

Product Segments

Metric / Stat	3Y	5Y	10Y	15Y	20Y
Deposit Account
Avg YoY	0.75%	0.75%	0.75%	0.75%	0.75%
Slope	0.75%	0.75%	0.75%	0.75%	0.75%
CAGR	0.75%	0.75%	0.75%	0.75%	0.75%
LSR	—	—	—	—	—
Fiduciary and Trust
Avg YoY	-0.49%	-0.49%	-0.49%	-0.49%	-0.49%
Slope	-0.49%	-0.49%	-0.49%	-0.49%	-0.49%
CAGR	-0.49%	-0.49%	-0.49%	-0.49%	-0.49%
LSR	—	—	—	—	—
Mortgage Banking
Avg YoY	-10.14%	-10.14%	-10.14%	-10.14%	-10.14%
Slope	-10.68%	-10.68%	-10.68%	-10.68%	-10.68%
CAGR	-10.14%	-10.14%	-10.14%	-10.14%	-10.14%
LSR	—	—	—	—	—

Balance Sheet

Metric / Stat	3Y	5Y	10Y	15Y	20Y	25Y
Cash & Cash Equivalents
Avg YoY	66.40%	18.42%	28.05%	17.63%	27.25%	22.76%
Slope	20.71%	-12.57%	7.12%	6.10%	8.15%	7.84%
CAGR	32.23%	-12.12%	4.83%	1.13%	7.49%	6.95%
LSR	32.23%	-11.47%	7.36%	5.68%	9.50%	8.59%
Short-Term Investments
Avg YoY	5.71%	18.37%	8.78%	6.49%	6.49%	6.49%
Slope	4.36%	9.68%	8.35%	7.46%	11.70%	12.29%
CAGR	4.23%	15.62%	7.29%	—	—	—
LSR	4.23%	11.35%	8.37%	—	—	—
Cash & Short-Term Investments
Avg YoY	11.42%	6.03%	9.27%	15.32%	25.55%	21.42%
Slope	9.63%	0.81%	7.87%	6.93%	10.26%	10.39%
CAGR	10.59%	2.98%	6.50%	10.34%	14.62%	12.53%
LSR	10.59%	1.05%	8.34%	7.56%	16.63%	15.39%
Net Receivables
Avg YoY	25.03%	11.78%	10.86%	4.33%	-2.97%	-3.70%
Slope	22.41%	11.33%	7.21%	2.74%	1.53%	-0.16%
CAGR	24.68%	9.98%	9.68%	2.91%	2.30%	0.35%
LSR	24.68%	11.11%	7.03%	2.49%	—	—
Total Current Assets
Avg YoY	11.59%	6.04%	9.25%	14.87%	22.98%	18.90%
Slope	9.81%	0.94%	7.87%	6.87%	10.09%	10.14%
CAGR	10.78%	3.08%	6.55%	10.13%	13.90%	11.51%
LSR	10.78%	1.17%	8.33%	7.45%	15.86%	14.45%
Property, Plant & Equipment
Avg YoY	1.57%	0.36%	7.71%	5.28%	5.21%	3.81%
Slope	1.51%	0.61%	7.09%	6.69%	4.95%	4.14%
CAGR	1.54%	0.33%	7.13%	4.78%	4.77%	3.39%
LSR	1.54%	0.61%	7.89%	6.96%	4.82%	3.91%
Goodwill
Avg YoY	0.34%	0.27%	52.06%	33.23%	17.02%	17.02%
Slope	0.34%	0.22%	3.79%	10.96%	9.45%	10.85%
CAGR	0.34%	0.27%	19.64%	11.95%	4.59%	—
LSR	0.34%	0.22%	8.36%	16.47%	—	—
Intangible Assets
Avg YoY	-86.22%	-67.45%	-51.98%	-51.98%	-51.98%	-42.72%
Slope	-117.60%	-65.68%	-25.64%	2.06%	8.68%	-16.55%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Long-Term Investments
Avg YoY	13.10%	7.78%	5.91%	2.20%	2.39%	3.26%
Slope	12.36%	7.61%	4.06%	2.36%	0.99%	1.27%
CAGR	13.03%	7.57%	5.64%	1.80%	2.09%	2.98%
LSR	13.03%	7.63%	3.99%	2.28%	0.91%	1.26%
Tax Assets
Avg YoY	7.95%	58.20%	58.20%	58.20%	58.20%	58.20%
Slope	7.57%	41.36%	40.33%	31.22%	25.04%	20.82%
CAGR	7.69%	—	—	—	—	—
LSR	7.69%	—	—	—	—	—
Other Non-Current Assets
Avg YoY	0.85%	1.60%	0.08%	1.58%	2.80%	7.38%
Slope	0.82%	1.59%	0.34%	0.66%	1.68%	3.18%
CAGR	0.82%	1.57%	-0.08%	1.40%	2.41%	5.57%
LSR	0.82%	1.60%	0.36%	0.67%	1.80%	3.87%
Total Non-Current Assets
Avg YoY	12.12%	7.40%	5.71%	2.26%	2.45%	3.34%
Slope	11.48%	7.26%	4.00%	2.45%	1.17%	1.45%
CAGR	12.05%	7.22%	5.46%	1.90%	2.18%	3.09%
LSR	12.05%	7.29%	3.94%	2.37%	1.08%	1.45%
Total Assets
Avg YoY	11.81%	6.54%	5.90%	3.13%	3.35%	4.03%
Slope	11.15%	5.89%	4.75%	3.24%	2.48%	2.58%
CAGR	11.81%	6.37%	5.66%	2.89%	3.16%	3.85%
LSR	11.81%	5.91%	4.77%	3.15%	2.38%	2.59%
Short-Term Debt
Avg YoY	—	—	—	-100.00%	-3.93%	5.82%
Slope	—	—	—	-37.50%	-20.46%	-12.69%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Other Current Liabilities
Avg YoY	11.79%	6.90%	6.23%	3.43%	4.07%	4.48%
Slope	11.18%	5.98%	5.04%	3.30%	2.96%	3.22%
CAGR	11.77%	6.71%	5.92%	3.15%	3.84%	4.29%
LSR	11.77%	6.00%	5.05%	3.17%	2.90%	3.31%
Total Current Liabilities
Avg YoY	11.79%	6.90%	6.23%	3.07%	3.82%	4.33%
Slope	11.18%	5.98%	5.04%	3.16%	2.67%	2.93%
CAGR	11.77%	6.71%	5.92%	2.76%	3.57%	4.11%
LSR	11.77%	6.00%	5.05%	3.03%	2.58%	2.98%
Long-Term Debt
Avg YoY	46.05%	15.96%	7.49%	3.30%	-0.44%	2.83%
Slope	25.92%	12.91%	-0.61%	0.21%	-5.37%	-4.98%
CAGR	35.52%	7.61%	2.89%	-0.12%	-3.73%	-0.75%
LSR	35.52%	13.01%	-1.07%	-0.03%	-4.57%	-4.73%
Capital Lease Obligations
Avg YoY	-10.67%	5.80%	-22.38%	-22.38%	-22.38%	-22.38%
Slope	-11.18%	2.86%	24.09%	24.04%	21.01%	18.24%
CAGR	-10.74%	4.14%	—	—	—	—
LSR	-10.74%	3.39%	—	—	—	—
Other Non-Current Liabilities
Avg YoY	19.54%	15.14%	15.14%	15.14%	-2.96%	0.15%
Slope	16.75%	34.30%	38.62%	30.46%	11.02%	4.61%
CAGR	18.99%	—	—	—	5.82%	5.23%
LSR	18.99%	—	—	—	—	—
Total Non-Current Liabilities
Avg YoY	32.56%	23.74%	11.20%	5.68%	0.74%	3.41%
Slope	21.93%	19.66%	6.91%	4.47%	-3.43%	-3.94%
CAGR	27.69%	20.58%	8.52%	3.36%	-1.76%	0.68%
LSR	27.69%	22.28%	6.32%	4.05%	-2.63%	-3.61%
Total Liabilities
Avg YoY	12.53%	7.50%	6.36%	3.11%	3.29%	4.03%
Slope	11.79%	6.68%	5.14%	3.22%	2.27%	2.38%
CAGR	12.53%	7.32%	6.05%	2.79%	3.05%	3.81%
LSR	12.53%	6.74%	5.13%	3.09%	2.14%	2.36%
Common Stock
Avg YoY	0.58%	0.47%	0.03%	-0.04%	0.39%	1.65%
Slope	0.58%	0.43%	-0.30%	-0.21%	0.13%	1.20%
CAGR	0.58%	0.47%	-0.01%	-0.06%	0.37%	1.51%
LSR	0.58%	0.43%	-0.29%	-0.21%	0.13%	1.33%
Retained Earnings
Avg YoY	5.87%	7.25%	5.50%	5.94%	6.80%	9.32%
Slope	5.71%	6.86%	6.03%	5.55%	5.76%	6.59%
CAGR	5.86%	7.24%	5.42%	5.89%	6.74%	9.15%
LSR	5.86%	7.17%	6.13%	5.69%	6.17%	8.01%
Accumulated OCI
Avg YoY	-15.24%	-574.66%	-260.87%	-129.40%	-142.40%	-93.67%
Slope	17.36%	-56.59%	-37.71%	-38.24%	-26.89%	-27.22%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Minority Interest
Avg YoY	—	—	—	—	—	24.09%
Slope	—	—	—	—	—	-20.45%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Total Shareholders’ Equity
Avg YoY	8.41%	4.17%	4.22%	4.92%	6.05%	7.98%
Slope	8.06%	3.39%	4.43%	4.37%	4.91%	5.81%
CAGR	8.41%	3.99%	4.07%	4.81%	5.94%	7.81%
LSR	8.41%	3.39%	4.53%	4.50%	5.31%	6.96%
Total Equity
Avg YoY	8.41%	4.17%	4.22%	4.92%	6.05%	7.40%
Slope	8.06%	3.39%	4.43%	4.37%	4.91%	5.41%
CAGR	8.41%	3.99%	4.07%	4.81%	5.94%	6.71%
LSR	8.41%	3.39%	4.53%	4.50%	5.31%	6.16%
Total Liabilities & Equity
Avg YoY	12.19%	7.22%	6.14%	3.20%	3.43%	4.18%
Slope	11.48%	6.40%	5.08%	3.32%	2.47%	2.60%
CAGR	12.19%	7.03%	5.88%	2.93%	3.23%	3.98%
LSR	12.19%	6.45%	5.08%	3.20%	2.35%	2.60%
Tangible Assets
Avg YoY	11.88%	6.58%	5.86%	3.11%	3.34%	4.03%
Slope	11.21%	5.92%	4.76%	3.21%	2.45%	2.57%
CAGR	11.88%	6.41%	5.62%	2.86%	3.16%	3.86%
LSR	11.88%	5.94%	4.77%	3.11%	2.35%	2.58%
Tangible Equity
Avg YoY	9.04%	4.51%	3.83%	4.72%	6.27%	8.25%
Slope	8.63%	3.66%	4.55%	3.96%	4.63%	5.39%
CAGR	9.04%	4.29%	3.53%	4.52%	6.04%	7.30%
LSR	9.04%	3.65%	4.65%	4.02%	5.02%	6.31%
Tangible Book Value
Avg YoY	9.04%	4.51%	3.83%	4.72%	6.27%	8.25%
Slope	8.63%	3.66%	4.55%	3.96%	4.63%	5.39%
CAGR	9.04%	4.29%	3.53%	4.52%	6.04%	7.30%
LSR	9.04%	3.65%	4.65%	4.02%	5.02%	6.31%
Total Investments
Avg YoY	11.74%	8.73%	6.08%	3.21%	3.13%	3.84%
Slope	11.12%	7.92%	4.64%	3.01%	2.04%	2.18%
CAGR	11.57%	8.60%	5.87%	2.98%	2.96%	3.68%
LSR	11.57%	8.05%	4.58%	2.88%	1.92%	2.17%
Net Debt
Avg YoY	98.46%	33.74%	-22.63%	-128.44%	-99.24%	-75.10%
Slope	-15.63%	26.13%	-14.36%	-18.16%	-334.38%	-37.48%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—

Capital Structure

Metric / Stat	3Y	5Y	10Y	15Y	20Y	25Y
Working Capital
Avg YoY	12.30%	7.52%	5.81%	1.94%	2.75%	3.51%
Slope	-11.61%	-7.21%	-3.83%	-2.01%	-1.08%	-1.62%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Total Capital
Avg YoY	11.57%	4.30%	4.24%	1.60%	0.70%	2.79%
Slope	10.19%	4.64%	2.85%	2.55%	-0.20%	-0.37%
CAGR	11.11%	3.83%	3.90%	0.93%	0.07%	1.96%
LSR	11.11%	4.62%	2.86%	2.63%	-0.12%	-0.30%
Capital Employed
Avg YoY	12.48%	7.80%	5.79%	4.37%	1.83%	3.33%
Slope	10.97%	7.45%	4.73%	4.39%	1.57%	0.83%
CAGR	12.01%	7.37%	5.46%	4.10%	1.42%	2.73%
LSR	12.01%	7.68%	4.74%	4.42%	1.48%	0.78%
Invested Capital
Avg YoY	14.15%	146.19%	62.03%	39.81%	27.24%	23.98%
Slope	1.17%	31.76%	-1.50%	-0.54%	-4.91%	-3.99%
CAGR	1.02%	37.68%	3.29%	0.79%	-2.15%	0.28%
LSR	1.02%	49.47%	-3.40%	-2.19%	-5.43%	-4.71%

Cash Flow

Metric / Stat	3Y	5Y	10Y	15Y	20Y	25Y
Net Income
Avg YoY	-8.82%	2.71%	3.45%	5.96%	3.58%	5.22%
Slope	-9.17%	2.22%	4.18%	4.00%	3.21%	3.01%
CAGR	-8.88%	2.03%	1.22%	4.35%	1.85%	3.57%
LSR	-8.88%	2.38%	4.50%	4.24%	3.24%	3.11%
Depreciation & Amortization
Avg YoY	5.52%	3.56%	5.51%	2.05%	1.63%	0.36%
Slope	5.39%	2.94%	3.41%	2.40%	1.58%	0.23%
CAGR	5.51%	3.50%	5.09%	1.48%	1.12%	-0.16%
LSR	5.51%	2.95%	3.60%	2.42%	1.53%	0.22%
Deferred Income Tax
Avg YoY	-209.01%	-320.21%	-109.42%	-74.61%	-1,266.22%	-1,022.43%
Slope	-134.66%	-85.55%	-505.00%	-82.10%	-14.85%	6.83%
CAGR	—	—	—	5.61%	7.03%	5.67%
LSR	—	—	—	—	—	—
Stock-Based Compensation
Avg YoY	112.46%	41.64%	22.72%	8.05%	8.05%	8.05%
Slope	-8.93%	-2.53%	1.87%	-4.01%	5.27%	8.18%
CAGR	-6.43%	-4.75%	—	2.09%	—	—
LSR	-6.43%	—	—	—	—	—
Change in Working Capital
Avg YoY	683.30%	360.99%	292.84%	495.92%	328.77%	255.04%
Slope	34.20%	131.90%	2.56%	4.24%	17.64%	18.72%
CAGR	—	—	—	7.77%	1.64%	—
LSR	—	—	—	—	—	—
Accounts Receivable
Avg YoY	-81.49%	-36.80%	-502.82%	-311.80%	-259.70%	-259.70%
Slope	-55.97%	-45.08%	-19.92%	-57.36%	-57.83%	-41.79%
CAGR	70.14%	12.56%	62.76%	—	—	—
LSR	70.14%	—	—	—	—	—
Other Working Capital
Avg YoY	5,189.88%	2,615.93%	1,328.25%	953.01%	663.58%	520.10%
Slope	39.14%	104.65%	5.17%	8.01%	20.51%	20.45%
CAGR	—	—	—	20.35%	5.53%	—
LSR	—	—	—	—	—	—
Other Non-Cash Items
Avg YoY	-71.16%	-39.75%	19.19%	1.67%	17.11%	62.17%
Slope	-107.19%	-55.76%	-18.41%	-20.97%	-11.22%	-6.71%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Net Cash from Operating Activities
Avg YoY	-3.39%	5.14%	3.55%	1.87%	6.64%	8.25%
Slope	-8.43%	6.03%	1.66%	0.23%	1.55%	1.85%
CAGR	-9.19%	1.46%	1.01%	-0.80%	0.61%	2.91%
LSR	-9.19%	5.91%	1.51%	0.16%	1.74%	2.05%
Capital Expenditures (PPE)
Avg YoY	5.59%	-0.99%	-13.25%	-23.25%	-15.63%	-363.30%
Slope	13.37%	11.21%	1.93%	-7.07%	-9.63%	9.43%
CAGR	-14.81%	-19.51%	-4.86%	4.25%	3.50%	1.92%
LSR	-14.81%	-7.94%	-2.50%	9.47%	—	—
Acquisitions (Net)
Avg YoY	—	—	0.00%	-33.33%	-33.33%	-33.33%
Slope	—	—	3.17%	-13.12%	-14.88%	-14.33%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Purchases of Investments
Avg YoY	-11,764.99%	-5,939.50%	-2,645.69%	-1,699.78%	-1,262.64%	-1,005.38%
Slope	-52.40%	-4.11%	-15.32%	-4.34%	-4.88%	-3.73%
CAGR	44.17%	35.07%	15.08%	2.86%	9.77%	10.45%
LSR	44.17%	-27.49%	-2.05%	-5.11%	-1.01%	-0.36%
Sales / Maturities of Investments
Avg YoY	-0.63%	20.10%	12.62%	5.05%	16.26%	21.16%
Slope	-5.26%	-14.89%	6.03%	-1.89%	1.41%	1.29%
CAGR	-4.70%	-1.86%	0.70%	-5.80%	2.06%	5.40%
LSR	-4.70%	-12.53%	5.79%	-1.49%	2.12%	1.67%
Other Investing Activities
Avg YoY	-32.59%	-87.52%	-657.17%	-416.22%	-371.78%	-412.15%
Slope	-24.68%	-20.79%	-19.69%	-31.39%	-15.10%	-4.58%
CAGR	30.45%	2.98%	—	—	7.67%	3.23%
LSR	30.45%	—	—	—	—	—
Net Cash from Investing Activities
Avg YoY	-100.34%	-54.84%	-125.31%	-229.31%	-4,458.49%	-3,528.86%
Slope	-49.96%	-23.30%	-22.07%	-26.53%	-15.21%	-5.45%
CAGR	53.51%	22.12%	48.14%	31.53%	12.05%	6.19%
LSR	53.51%	18.91%	29.78%	—	—	—
Net Debt Issuance
Avg YoY	788.16%	405.30%	317.55%	296.43%	202.14%	160.97%
Slope	-24.05%	325.44%	5.63%	111.67%	28.67%	-45.80%
CAGR	—	—	—	-8.86%	-4.75%	—
LSR	—	—	—	—	—	—
Long-Term Debt Issuance
Avg YoY	687.97%	354.60%	292.17%	276.00%	190.31%	170.08%
Slope	-23.51%	246.42%	5.83%	137.70%	35.73%	-134.17%
CAGR	—	—	—	-8.65%	-6.27%	—
LSR	—	—	—	—	—	—
Short-Term Debt Issuance
Avg YoY	203.38%	115.13%	-27.17%	627.38%	469.15%	413.27%
Slope	-53.73%	96.34%	-8.07%	3.64%	-3.50%	-35.56%
CAGR	-32.72%	—	—	—	—	-14.55%
LSR	-32.72%	—	—	—	—	—
Net Stock Issuance
Avg YoY	-2,290.98%	-1,095.49%	-440.40%	-266.93%	-184.08%	-39.21%
Slope	-143.98%	-50.92%	-379.65%	-94.97%	20.62%	12.16%
CAGR	—	—	—	—	3.99%	0.57%
LSR	—	—	—	—	—	—
Common Stock Issuance
Avg YoY	—	—	-3.67%	9.26%	9.26%	9.26%
Slope	—	—	-15.81%	3.71%	9.60%	10.95%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Common Stock Repurchased
Avg YoY	-2,290.98%	-1,095.49%	-1,095.49%	-1,095.49%	-497.74%	-497.74%
Slope	-143.98%	-50.92%	-42.65%	-32.24%	3.57%	-2.52%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Net Dividends Paid
Avg YoY	5.24%	-1.83%	-0.20%	-1.40%	-2.57%	-3.76%
Slope	5.60%	-2.88%	-1.42%	-0.50%	-1.39%	-2.00%
CAGR	-5.61%	1.22%	-0.10%	0.35%	1.77%	2.64%
LSR	-5.61%	2.95%	1.37%	0.53%	1.48%	2.18%
Common Dividends Paid
Avg YoY	5.24%	-1.83%	-0.20%	-1.40%	-2.57%	-3.76%
Slope	5.60%	-2.88%	-1.42%	-0.50%	-1.39%	-2.00%
CAGR	-5.61%	1.22%	-0.10%	0.35%	1.77%	2.64%
LSR	-5.61%	2.95%	1.37%	0.53%	1.48%	2.18%
Other Financing Activities
Avg YoY	229.03%	61.92%	1,731.00%	1,113.50%	835.77%	668.56%
Slope	125.81%	-1.30%	19.23%	24.91%	13.19%	7.16%
CAGR	—	-3.47%	28.04%	6.21%	8.64%	7.01%
LSR	—	—	—	—	—	—
Net Cash from Financing Activities
Avg YoY	213.61%	46.69%	304.69%	189.54%	153.32%	127.57%
Slope	120.23%	2.43%	19.90%	31.94%	20.07%	6.86%
CAGR	—	-3.86%	33.09%	8.82%	12.55%	5.88%
LSR	—	—	—	—	—	—
Net Change in Cash
Avg YoY	11.05%	-234.01%	-42.25%	-6.67%	44.74%	58.22%
Slope	131.36%	-322.76%	-55.69%	-23.38%	-5.80%	1.61%
CAGR	-34.62%	—	—	—	—	—
LSR	—	—	—	—	—	—
Cash at Beginning of Period
Avg YoY	55.52%	71.44%	39.86%	41.59%	31.06%	25.27%
Slope	-10.57%	5.96%	11.77%	8.16%	8.86%	7.84%
CAGR	-7.89%	25.41%	15.28%	14.77%	10.87%	7.94%
LSR	-7.89%	7.37%	12.21%	8.32%	9.60%	7.88%
Cash at End of Period
Avg YoY	71.82%	21.01%	30.06%	18.62%	27.89%	24.65%
Slope	21.94%	-12.06%	7.48%	6.08%	8.00%	7.52%
CAGR	34.88%	-11.72%	5.26%	1.13%	7.32%	7.19%
LSR	34.88%	-11.02%	7.76%	5.60%	9.10%	8.04%
Operating Cash Flow
Avg YoY	-3.39%	5.14%	3.55%	1.87%	6.64%	8.25%
Slope	-8.43%	6.03%	1.66%	0.23%	1.55%	1.85%
CAGR	-9.19%	1.46%	1.01%	-0.80%	0.61%	2.91%
LSR	-9.19%	5.91%	1.51%	0.16%	1.74%	2.05%
Capital Expenditure
Avg YoY	5.59%	-0.99%	-13.25%	-23.25%	-18.87%	-380.94%
Slope	13.37%	11.21%	1.93%	-7.07%	-6.24%	9.44%
CAGR	-14.81%	-19.51%	-4.86%	4.25%	3.50%	1.92%
LSR	-14.81%	-7.94%	-2.50%	9.47%	—	—
Free Cash Flow
Avg YoY	-3.04%	10.97%	6.26%	2.71%	9.10%	-12.90%
Slope	-7.74%	8.86%	2.39%	-0.81%	0.88%	6.74%
CAGR	-8.42%	6.86%	2.05%	-1.22%	0.35%	3.05%
LSR	-8.42%	9.81%	2.26%	-0.88%	1.06%	—

Free Cash Flow

Metric / Stat	3Y	5Y	10Y	15Y	20Y	25Y
EBITDA
Avg YoY	-1.44%	10.95%	4.10%	3.92%	2.54%	3.31%
Slope	-1.45%	8.66%	4.53%	2.86%	2.10%	1.94%
CAGR	-1.45%	10.19%	3.37%	3.31%	1.93%	2.76%
LSR	-1.45%	9.86%	4.48%	2.75%	1.99%	1.90%
(-) Tax Adjustment
Avg YoY	2.96%	12.45%	5.30%	5.49%	2.27%	3.64%
Slope	2.91%	10.40%	-1.22%	-1.49%	-1.40%	-0.73%
CAGR	2.96%	12.02%	-0.34%	1.47%	-1.16%	0.81%
LSR	2.96%	11.71%	-0.70%	-1.51%	-1.52%	-0.84%
Change In Working Capital
Avg YoY	683.30%	360.99%	292.84%	495.92%	328.77%	255.04%
Slope	34.20%	131.90%	2.56%	4.24%	17.64%	18.72%
CAGR	—	—	—	7.77%	1.64%	—
LSR	—	—	—	—	—	—
Capital Expenditure
Avg YoY	5.59%	-0.99%	-13.25%	-23.25%	-18.87%	-380.94%
Slope	13.37%	11.21%	1.93%	-7.07%	-6.24%	9.44%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Unlevered Free Cash Flow
Avg YoY	0.00%	13.27%	10.17%	7.81%	7.36%	-6.64%
Slope	-5.21%	4.61%	7.40%	3.67%	2.03%	5.74%
CAGR	-4.64%	9.58%	4.55%	3.62%	2.99%	2.74%
LSR	-4.64%	5.18%	7.47%	3.22%	1.78%	—
Net Interest After Taxes
Avg YoY	3.79%	5.02%	4.28%	2.48%	3.83%	4.16%
Slope	3.73%	4.95%	3.18%	2.45%	2.71%	3.00%
CAGR	3.77%	4.98%	3.57%	1.99%	3.41%	3.78%
LSR	3.77%	5.10%	3.30%	2.43%	2.78%	3.16%
Net Debt Issuance
Avg YoY	788.16%	405.30%	317.55%	296.43%	202.14%	160.97%
Slope	-24.05%	325.44%	5.63%	111.67%	28.67%	-45.80%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—
Levered Free Cash Flow
Avg YoY	-122.02%	-48.77%	-50.96%	-31.11%	-160.76%	-104.21%
Slope	-47.55%	21.31%	1.81%	4.00%	1.35%	-2.88%
CAGR	—	—	—	—	—	—
LSR	—	—	—	—	—	—