The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.7.2%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$517.0M
MissShare count not growingNot diluting owners. Falling means buybacks.+3.6% in 3 years
Free cash flow
$517.0M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Jul 29
EPS
$1.67
vs $1.42
Free cash flow
$157.9M
Share count
+5.8%
vs a year ago
Insider rating
Last 90 days
46Mixed
Pre-planned sales of $294K (weaker signal)
50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.
Weekly insider trend
13 weeks agoBoughtSoldThis week
Filing buzz
Last 7 days vs normal
42/ 100
This week
1
Normal week
1.4
vs normal
0.7x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+2.3%
Institutions added 2.3% to their holdings. 256 bought, 177 sold. 3 quarters of net buying in a row.
Shares held by institutions88.6M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+8.6%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $35.6B
Shares outstandingLatest reported
120M
Why low risk
Share count growing 8.6% a year
Earnings reports
Last 12
Next reportIn 0 days (est.)Estimated from the same quarter last year
Results filedJul 29
Results filedApr 29
Results filedJan 28
Results filedOct 29, 2025
Results filedJul 23, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.