TD · Verdict
Mixed arguments
A summary of rules, not a profit forecast — don’t buy just because of a green verdict.
🟡 Valuation- ▲ Forward P/E 15.6 is below the current one — earnings growth expected
🔴 Quality- ▼ Net margin fell: 38.1% → 33.5%
- ▼ Debt / equity 3.46 — heavy debt load
- ▼ Free cash flow often negative
🟢 Growth- ▲ Revenue grows 10.2% per year (3 y)
- ▲ Analysts raised the earnings forecast by +4.6% in 90 days
🟢 Trend- ▲ Over 6 mo stronger than its sector (XLF) by 7%
- ▲ Price above SMA200 — long-term uptrend
- ▲ SMA50 above SMA200 — trend up
- ▲ Over a year +52% vs S&P 500 +11% — stronger than the market
⚪ Risk · context, does not voteNo data.
🟢 Market · context, does not vote- ▲ S&P 500 above SMA200 — the market is in an uptrend
- ▲ Sector (XLF) above SMA200 — in an uptrend
The PWA verdict uses less data than the full version: without the history of multiples and peers, F-score, Altman, interest coverage, dividend streak and expected earnings move.