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Institutional ownership roughly stable: -0.30% change quarter-over-quarter.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $1.12 today, the market must believe free cash flow compounds -60.0%/yr for a decade (off $1.2B normalized FCF).
The market's -60.0% is more conservative than its 9-yr track record.
2-stage DCF · 0.17B shares · net debt -$470M
mean 129.2% · volatility σ 449% · implied rate exceeded in 5/7 yrs
Central path = implied -60.0%/yr growth; shaded band = ±1σ (449%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-08-05 · 15d old
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $817.8M 100.0% | $5.81B 100.0% | $4.90B 100.0% | $3.43B 100.0% | $4.48B 100.0% | $3.96B 100.0% | $8.62B 100.0% | $11.24B 100.0% | $11.53B 100.0% | $3.24B 100.0% |
| Research & Development | $58.1M 7.1% | $411.9M 7.1% | $148.8M 3.0% | $151.9M 4.4% | $208.0M 4.6% | — | — | — | — | — |
| Selling, General & Admin | $46.1M 5.6% | $274.7M 4.7% | $231.1M 4.7% | $271.8M 7.9% | $298.2M 6.7% | $630.6M 15.9% | $741.3M 8.6% | $1.34B 11.9% | $1.32B 11.5% | $320.8M 9.9% |
| Total Operating Expenses | — | $569.8M 9.8% | $2.30B 47.0% | $1.96B 57.1% | $3.19B 71.3% | $4.67B 117.8% | $7.49B 86.9% | $10.47B 93.1% | $11.61B 100.7% | $2.15B 66.5% |
| Operating Income | -$849.5M -103.9% | -$4.16B -71.6% | -$2.30B -47.0% | $1.62B 47.2% | — | — | — | — | — | — |
| Interest Expense | — | $0 0.0% | $13.1M 0.3% | $27.9M 0.8% | $31.4M 0.7% | — | — | — | — | — |
| Interest & Investment Income | $11.3M 1.4% | $79.1M 1.4% | $61.9M 1.3% | — | — | — | — | — | — | — |
| Other Income (Expense), net | $26.3M 3.2% | $214.9M 3.7% | $50.6M 1.0% | $23.5M 0.7% | -$84.2M -1.9% | -$67.5M -1.7% | $269.0M 3.1% | $1.01B 9.0% | $267.8M 2.3% | $575K 0.0% |
| Pretax Income | -$38.0M -4.6% | $1.86B 32.1% | $2.65B 54.0% | $1.50B 43.5% | $1.20B 26.9% | -$773.4M -19.5% | $1.40B 16.2% | $1.78B 15.9% | $188.1M 1.6% | $1.10B 34.0% |
| Income Tax Expense | -$13.9M -1.7% | $279.2M 4.8% | $565.2M 11.5% | $300.5M 8.7% | $170.2M 3.8% | -$80.6M -2.0% | $239.2M 2.8% | $194.3M 1.7% | $381.2M 3.3% | -$13.9M -0.4% |
| Net Income | $7.8M 1.0% | $1.58B 27.3% | $2.08B 42.5% | $1.19B 34.8% | $1.03B 23.1% | -$692.7M -17.5% | $1.16B 13.4% | $1.58B 14.1% | -$188.1M -1.6% | $1.12B 34.5% |
| Per Share | ||||||||||
| EPS (Basic) | $0.04 | $9.13 | $11.77 | $6.84 | $6.11 | $-3.84 | $6.24 | $8.58 | $-1.03 | $9.44 |
| EPS (Diluted) | $0.04 | $9.06 | $11.64 | $6.81 | $6.06 | $-3.84 | $6.20 | $8.48 | $-1.03 | $9.39 |
| Weighted Avg Shares (Basic) | 173.6M | 173.3M | 176.7M | 174.7M | 169.0M | 180.3M | 185.2M | 184.2M | 182.4M | 118.2M |
| Weighted Avg Shares (Diluted) | 174.7M | 174.7M | 178.7M | 175.4M | 170.6M | 180.3M | 186.5M | 186.3M | 182.4M | 118.9M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
3/6 of the 9 checks — 3 couldn't be scored (see above), so the score is out of the 6 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 40% of free cash flow, leaving room to grow it and fund buybacks. Last year: $39M dividends + $32000 buybacks = $39M returned on $97M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: 1%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Thin coverage — earnings barely cover interest. Interest last disclosed in FY2023 (no longer broken out).
Cash of $479M fully covers short-term debt of $9M.
Mostly short-term debt (balance-sheet current vs non-current split). A year-by-year maturity schedule wasn't disclosed for this issuer.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-08-05
Where each multiple sits in its own 11-yr range · 72th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 11-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Low operating leverage — profit tracks sales closely (stable, less cyclical).
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| R&D | — | — | — | 4.6 | 4.4 | 3.0 | 7.1 | 7.1 |
| SG&A | 11.9 | 8.6 | 15.9 | 6.7 | 7.9 | 4.7 | 4.7 | 5.6 |
| Operating Income | — | — | — | — | 47.2 | -47.0 | -71.6 | -103.9 |
| Income Tax | 1.7 | 2.8 | -2.0 | 3.8 | 8.7 | 11.5 | 4.8 | -1.7 |
| Net Income | 14.1 | 13.4 | -17.5 | 23.1 | 34.8 | 42.5 | 27.3 | 1.0 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on YRD: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Top 23 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Ranked against 878 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| BSAC | $6.64T | — | — | — | — | — | — | — | — | — | 141 |
| V | $688.1B | — | — | 17.2× | 11.3% | — | 50.1% | 52.9% | 34.9% | — | 4,229 |
| MA | $516.3B | 34.5× | — | 15.7× | 16.4% | — | 45.6% | 193% | 57.6% | — | 3,430 |
| HBCYF | $346.1B | — | — | — | — | — | — | — | — | — | 2 |
| AXP | $239.4B | 22.7× | — | 5.8× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| MBFJF | $239.1B | 0.1× | 0.1× | 0.0× | 9.5% | — | 14.6% | 8.8% | 8.8% | — | 1 |
| USOI | $195.8B | — | — | 9.8× | 30.7% | — | -20.3% | -10.7% | -1.9% | — | 13 |
| HDB | $182.5B | 22.9× | — | 7.1× | -98.6% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $179.0B | — | — | — | — | — | — | — | — | — | 660 |
| USML | $178.1B | — | — | — | — | — | — | — | — | — | 2 |
| BLK | $175.8B | 32.1× | — | 7.3× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| SMFNF | $158.8B | — | — | — | — | — | — | — | — | — | 1 |
| CB | $137.9B | 13.7× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $131.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| MZHOF | $129.2B | 0.1× | — | 0.0× | 7.6% | — | 13.2% | 10.7% | 3.7% | — | 2 |
| PGR | $124.7B | 11.1× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 30.4% | — | 1,685 |
| SPGI | $122.5B | 28.0× | 17.5× | 8.0× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| VXZ | $116.9B | — | — | — | — | — | — | — | — | — | 12 |
| BNS | $109.5B | — | — | — | — | — | — | — | — | — | 488 |
| BX | $101.8B | 35.1× | — | 7.0× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $101.1B | 15.4× | — | 4.4× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| BCLYF | $97.9B | — | — | — | — | — | — | — | — | — | 5 |
| CME | $95.2B | 23.7× | — | 14.6× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| MRSH | $92.9B | 22.7× | 16.5× | 3.4× | 10.3% | — | 15.4% | 27.2% | 12.4% | 2.8× | 1,471 |
| ICE | $85.0B | 26.0× | 20.2× | 6.7× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| YRD | $196M | 25.1× | — | 0.2× | -85.9% | — | 1.0% | 0.6% | 0.6% | -0.0× | 23 |
Peers = companies sharing YRD's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.